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The job I went for 2 interviews back in March, was offered to me this morning. I accepted but now I'm all nervous. I will be making about the same, just a $1 less an hour to start. But there will be opportunity for raises, which I dont have where I am.
I'm having a horrible time typing my resignation letter, which I need to turn in tomorrow because they want me to start at the new job on the 19th.
I'm even more nervous knowing I will be without ins for 90 days unless I pay for COBRA (assuming not super expensive). And top it all off, I'm pretty sure I O on 3/29 putting me I'm in 2WW. I would never say I hope it doesnt happen this cycle but it makes me nervous and DH said tonight he worries what that would look like starting this new job & then right away becoming pregnant.
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Thank you *Kiliki* for the perfect siggy
Second, I still agree with the 29th.. and it's not hard to tell you're a thyroid girlie... low post O temps. Last cycle I took D3 and B6 and my temps were WAAAAAY more normal than before. just a thought after a few cycles. One of them is very good for your thyroid too.
Third: Hopefully everything will work out insurance wise. *fingers crossed* that cobra isn't too expensive!
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~TTC #1 together 1 year and counting ~
Battling Estrogen Dominance, Hashimoto's Thyroiditis and Recurrent Miscarriage one day at a time
Awesome siggy made by Jaidynsmum
Matthew and Mark 08/24/2005 9w1d, Mattie Anne 04/07/2008 8w Mel and Dee 01/18/2010 (8 weeks) and 5 chemical pregnancies Hope 07/21/2012@4w1dKonnor 11/24/2012@3w6d"Emmy"1/15/2013@ 3w6dRonen 02/102013@3w5d
Since I have chronic illness, insurance pretty much dictates my life, so maybe I can help you. Typically COBRA for one person is around $450-500 per month. You also have 60 days to retroactively choose COBRA, so if you wanted to wait and see what happens, you could elect COBRA coverage then if necessary. So, for example, if your last day of your current coverage is April 30th, you would have until June 30th to elect COBRA coverage, and it would retroactively cover you back to April 30th.
If you do get your BFP, you should take the COBRA, because insurers will consider pregnancy a pre-existing condition, and if you lose coverage for more than 63 days, your new insurance can deny you coverage for pre-existing conditions for up to a year.
As for starting a new job - it really depends on your employer. Are they family friendly? If your workplace has less than 50 employees in a 75-mile radius, you're not eligible for FMLA at any time - otherwise, you have to have been there 12 months before you're eligible for FMLA. Sometimes stuff just happens though - a good friend of mine got unexpectedly pregnant about a month after starting a new job, and ended up having to quit a month later because she had hyperemesis. So she was a SAHM for a couple years, and now she has a job she absolutely loves, making more money and is much happier. If you're not pregnant now, and if it was me, I'd use contraception until I'd been at the job 3-4 months -- that way, you'd be there about a year by the time you delivered. Talk to some other women at the job and see how they perceive the employer in terms of being willing to work with employees on family issues like this.
I hope everything is AWESOME and good luck to you!!
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Matt & Jessica - Married 10.27.2007, TTC #1 starting fall 2012
Furbabies Bella (dog) and Luna (cat - RIP 7/8/2012)
As for the insurance, the price of COBRA will be determined on the rates you have with your previous employers insurance. It is to keep you on the same insurance plan as you were previously on with your current/previous job. It's required by law that all employer pay a minimum of 50% of the emplolyee only rate. However, some employers are able and willing to pay more. So let's say your employer does only pay 50% of the employee only rate and you have yourself and DH covered. If the EE rate is $500 and ES rate is $600, that means your employer would contribute $250 toward the EE rate, which would make your ES coverage only $350 while you were employed. Once you go on COBRA, your rate will no longer have the deduction of your previous employer's contribution, so if you chose to elect ES coverage still rather than paying your previous $350 rate, you would be responsibile for the full premium of $600. Does that make sense? So how expensive COBRA coverage in strictly depends on your current rates, the tier you elect (who all you want covered) and your employer's contribution. But yes, COBRA coverage will always be more expensive than what you are currently paying.
The PP is correct in stating you have 60 days to retro-actively elect COBRA. However, I personally wouldn't choose to do that if you're able to afford the coverage. If you retroactively elect COBRA rather than making a monthly payment of X amount of money, you'll have to also pay your premiums retroactively, meaning all at once. It's easier for most people to have monthly payments rather than pay in lump sums. In addition, I would elect COBRA coverage if you're able to afford it before your 90 day waiting period ends making you eligible for benefits with your new employer. It's only three months, but if you choose not to elect COBRA coverage you will have a 3 month laps of coverage and depending on your new policy you may have waiting period for certain benefits applied without prior coverage (this can be for dental or vision as well, not just medical).
I'm thinking COBRA will be about $500. Well just have to see.
There is no way I can go without coverage, with my Fibromyalgia and Asthma I just cant take nay chances of per-exsisting conditions. If I dont get BFP I will most likely just go onto to the individual policy we pay for ourselves for DH.
I am getting so nervous about starting a new job. Having to relearn a new system, ways they do things, everything. Its scary, I've been where I am for almost 6 years.
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Thank you *Kiliki* for the perfect siggy
~TTC #1 together 1 year and counting ~
Battling Estrogen Dominance, Hashimoto's Thyroiditis and Recurrent Miscarriage one day at a time
Awesome siggy made by Jaidynsmum
Matthew and Mark 08/24/2005 9w1d, Mattie Anne 04/07/2008 8w Mel and Dee 01/18/2010 (8 weeks) and 5 chemical pregnancies Hope 07/21/2012@4w1dKonnor 11/24/2012@3w6d"Emmy"1/15/2013@ 3w6dRonen 02/102013@3w5d
Best wishes in your new job. I would personally put TTC on hold unless you have some sort of insurance or qualify for state medical. I read the average uncomplicated hospital birth is around 10k and that doesnt include any of the pre-natal care. Sorry I dont know anything about all that insurance stuff but I hope you get it all figured out and I hope you get a BFP soon.
Congrats to you! Insurance companies need to stop with the "pre-existing conditions" rule! That is so not fair. Especially with getting a new job or if the company you work for changes insurance. Then what... no insurance. That will mean more unnecessary deaths!
Well anyway, GL with the new job and the resignation letter!
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Simone SAHM to 5 boys Trenton 18, Tyler 16, twins Peyton and Eli 6, & Lennox 3
Congrats to you! Insurance companies need to stop with the "pre-existing conditions" rule! That is so not fair. Especially with getting a new job or if the company you work for changes insurance. Then what... no insurance. That will mean more unnecessary deaths!
Well anyway, GL with the new job and the resignation letter!
If you have had continuous coverage (i.e., no break in insurance coverage for more than 63 days) group plans can't deny you for pre-existing conditions -- but private, individual plans can. When I graduated from college, I didn't have a job yet and I had to COBRA my dad's insurance because literally no plan would take me, since I have Crohn's Disease. Some states have high-risk insurance pools for people who can't get private insurance, but the one in PA wanted me to pay a premium of like $2000 a month and had a $15,000 deductible, so it wasn't really much help.
Not to get all political, but if you think the pre-existing condition exclusions are unfair, you should contact your reps/senators and tell them you support the Affordable Care Act. It has a provision that would make those exclusions illegal, beginning in 2014. Lifetime limits and dropping subscribers when they get sick (which is totally legal now, on private plans) would also be banned. Just FYI.
