Hello! I had the same issue as others where the subsidy was not showing. Finally, it updated with Optum and I made the first payment last week. I just got a message from my provider saying my insurance is inactive and I will have to pay out-of-pocket. I had already reached OOP max for the year and should be paying nothing. Does anyone know?
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@f7 Just got a call from Anthem rep that my insurance is reactivated. Both Anthem and Delta Dental are now showing as active.
@ej Optum is expediting reinstatement notification to Anthem. Was happening today. Anthem needs 1-2 days to reactivate the plan. It appears this is the fastest path.
What pi$$es me off is that I set up automated premium payments on Optum site to specifically avoid the plans (both medical and dental) going inactive.
Apparently, Optum wants the payment before the due date they specified. It's the payment that stops plan cancellation. Of course, it's not stated anywhere and one time payment incurs additional payment processing fees.
@as how did things end up working out
@eg per the Cobra Specific Rights Notice Letter, "Once the first COBRA payment has posted to your account, please allow 7-10 business days to reflect active with insurance carriers."
I’m getting the run around to contacting someone to figure why I’m inactive!!!!
@OP per the Cobra Specific Rights Notice Letter, "Once the first COBRA payment has posted to your account, please allow 7-10 business days to reflect active with insurance carriers."
We have 45 days to make our first payment and it will retro back to 10/1 if we signed up.. which we had 60 days to enroll.
Why are you all so shocked? We just took VSP or were ISP’d from a company who plays this game for a living. Is it only “bad” when we are the poor su-kers who are denied?
The typical monthly COBRA payment ranges from $600 to $800 for individual coverage and $1,800 to $2,500 for family coverage. So.. you go to the doctor once and awhile and fill a perscription or two. Where do you think the rest of that fu-k'n money goes? Its pretty obvious from your posts that the service your getting is not gold star. lol
My wife went to the pharmacy today and was told her insurance was termed. I'm on the phone with Anthem and Optum to clean up the mess. I had a recurring payment set up and got charged this morning. They are trying to hide behid the fact that I should have paid before. Well, why didn;t you charge my recurring payment before to maiintan continuity of coverage????
Call Anthem and complain, have them call Optum on a 3 way call and request a formal complaint be file. Tell them it's an access to care issue.
They have a built in motive to drag thier feet, make you pat out of pocket and deny your claims. Just like Centene, Optum is an incredibly large business, generating $270.6 billion in revenue in 2025 alone. So... How does it feel to be on the other side of the profit game folks?
You can resolve COBRA administration and payment errors by immediately contacting your "plan provider" (The for profit A--hats) and filing a federal complaint with the Department of Labor Employee Benefits Security Administration.
Yep. Everything about for-profit health insurance companies Su-k! Am I right?
@OP COBRA is retroactive by law, provider should resubmit claims.