I quit my job in the end of November 2010. I received the COBRA information and signed up for insurance on Feb 12th. I did this on the last day allowed but had to do it through their online system because study were snowed in and no one was at work. The system took my payment and the following week, I received an insurance card. I went to the dentist office to find out that I did not have coverage. Apparently, my past employer had open enrollment and I did not sign up. Open enrollment deadline was January 17th. My frustration steams from this company accepting my payment when my option was already terminated a month before they accepted my payment. When I asked why they took a payment, they said because the federal law states they have to offer for 60 days and that payment was for December. I asked why would I pay in February for the month of December when I had NO work done? I advised them that their techniques were unethical and they seemed like a bunch of con men! When I initially called I asked the agent to speak to a supervisor and she placed me on hold. When she came back she stated all supervisors were busy and she would take a message. I told her I didn't mind waiting. She placed me on hold and the supervisor picked up right away. (So much for being BUSY). He also would not give me direct information to their compliance department. I told them they have to have some type of responsibility of accepting payment and giving false hopes knowing I wasn't eligible. He said no and that they sent an open enrollment package. I did not know that I had to enroll since I no longer worked for that company and I didn't have any changes???? But again nothing popped up on their website about open enrollment OR advising that I was not eligible. Even after i signed up to send an email, letter, OR phone call to do so after I signed up???? The supervisor stated that he will ask the account manager if they will extend the opportunity to sign up open enrollment. I'm still waiting...wont keep my fingers crossed.