I don't even know where to start.... My husband and I worked for the same company. I COBRA'd my insurance. I switched to my husband's group insurance, then his COBRA. Confused the *** out of them. As outrageous as it sounds, I have essentially made 6 months of premiums with no insurance still. They tell me I'm covered and then I'm not. I'm covered, I'm not. One person says 1 thing. I call back and another person says the opposite. We were incorrectly told my husband had to COBRA his insurance for me to be added. This is obviously wrong, but we did it anyway. We were told we could term it immediately and he would not have to pay, which also makes no sense, ;but we did it anyway. That is basically just the beginning. They claim the term form was not legible. I would have never known had I not checked. The next one they say they didn't receive. The 3rd one was recieved, confirmed and they confirmed that his COBRA was termed. Now they tell me it wasn't. I've made 6 payments with no insurance. Couldn't find my payments and insinuated I was lying until I produced both credit card and bank confirmations. They tried to blame it on the bank. Long story short... I've paid 6 months of payments that they now say were received, but not applied and almost 7 hours of phone calls. If there are any attorneys reading this.... feel free to contact me. leigh.ann2018@***.com. Filing complaints with the insurance commissioner in every state applicable.