Stop Me if You Have Heard this Before

Female, age 67,smoker. On leave from employer from Aug 2015 thru December. On Mcare A. Employer has 20+

Continued on group plan through 12/31 as a FT employee even though she did not receive a paycheck while on leave.

Woman first contacted me before turning 65, so this has been going on for a while. Fired her a couple of times but like a bad penny she comes back.

Rather than taking COBRA for 1/1/16 she added Part B, D and a Medigap. She has ulcerative colitis and other issues. Rx expensive when she has flare ups.

Today she said she thinks she can return to work early March and get
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