husband has handled ALL of the COBRA stuff until today. I am proud of him because until he got laid off he had never been willing to do almost anything with insurance other than giving the card to whomever. This is the first time there has been any real problem OR that he has asked/needed any help from me. The computer system would not accept payment yesterday. He spent HOURS trying to put the payment through - and not hours where he played games or did facebook or email or whatever and tried every once in a while. Hours where all he did was try to make this payment. Any way it could mess up and refuse to process the payment, it DID. It cannot have been just us because the wait at the call center was hours long - and once you have waited 61 minutes it dumps you out of the system. This morning he called to see how to fix it. He got some woman who spoke so softly he could barely hear and had to ask her to repeat things and speak louder, often to no avail on the louder part. She finally told him to write a letter and mail it, rattling off a list of what was needed on the letter. He again asked her to PLEASE speak louder and to repeat what she had said. So she HUNG UP on him!!!! He didn't even get an address to send the letter to!!! He came in and woke me up because he was so angry he didn't know what to do. He was afraid that he would call them back and be so mad that they just cancelled everything and wouldn't let us appeal. He agreed to let me call, and I spoke to a nice person in India who was very helpful. She gave me the info on how to fax an appeal letter and let it slip that they had some major computer issues yesterday. I say it was a slip because she mumbled that she hoped that they were not monitoring this call right after she mentioned the computer issue. I hate these hassles. husband has a problem every single time he tries to send a payment to these people. He tried mailing one payment only to have it not appear in the system until weeks after it was due, coming out of our account at the same time another payment came out - after the company ASSURED him they would not process the check because he had made that payment via computer!!! Now we get to keep our fingers crossed that the appeal is approved with-o too much fuss. I hate insurance koi. At least I got the info on how much it costs to cover just husband and I. I asked him to get this in May or June. He hasn't wanted to ask if he was asking about anything else because he was afraid they would go ahead and try to change the coverage and cancel everything or something. Which is understandable, in my opinion! Thanks for letting me vent. on the other hand - I did get about 7 hours of sleep last night - all in a row!!! And my headache seems to be all the way gone!!!!!!!!!