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I just hated reading this post!!! I truly don't understand why employers can't be more considerate??!! You may need to go to a lawyer if you are terminated and can sue for discrimination...but before that happens I would suggest searching for a new job while you are still employed. An employer with a more understanding attitude and pleasant work environment that also offers health insurance. Also, document, document, document at work in case you do get fired, moved, demoted. The more physical evidence the better the case. Remember conversations, write them down, date, time and who spoke & what about.
COBRA insurance payments must be the same amount that you & your company pay for your coverage currently...it can't be more. The coverage will be exactly the same for the 18 months as if you were still covered at your job. Different states have options afterwards...for example in Georgia as long as you apply for medical insurance & will be turned down before the 18 months are up in COBRA you will be placed into a pool of denied insurance people (yes, pre-existing conditions do apply when you go for insurance on your own). From that pool a carrier would have to pick you up and usually it is the largest carrier in the state (like BCBS). The premiums may be higher at that point but you can also do high deductibles. If you don't apply for insurance and get denied while you are still covered by COBRA, then you lost the golden opportunity to get into the pool of insured who are denied. You can get insurance but most likely no coverage for cancer since it is a pre-existing condition until 10 years are up. I learned all of this recently after going through a pleasant divorce with my insurance attorney Ex!
I hope that things improve at work for you. This is just such a crappy situation when someone who is fighting for life has to worry about health insurance! This country has a lot going for it but I must say the health insurance issue stinks!
Ruth
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