[Question - Insurance]

My wife was out of work for 13 weeks due to mental illness. For 12 weeks, we were covered by her existing employers health care coverage (Cigna). Cobra insurance was offered to us through her employer for the 13th week where we wouldn't have coverage. My wife is now back to work and her prior health coverage has resumed. Her employer is saying that we must purchase Cobra for the 13th week although we are already covered once again with Cigna. Is this a requirement for us? The cost of Cobra is $1750 which my wife is being garnished for (3 months) since her employer is paying for it, and we must reimburse the company. I guess my question is: If we didn't use any medical services for the 13th week (Unsure yet if we did or didn't) why would we be required to purchase this coverage? I assume that if we used services during that 13th week and the cost exceeds $1750, Cobra would be the better option. However her employer is saying it has to be purchased either way. Does anyone know about this stuff that may be able to explain to us?

https://ift.tt/eA8V8J Submitted September 24, 2019 at 08:46PM by Forty_Somethin https://ift.tt/2mstk72