He's the confused one...

[BRNR]

KML- I did say I was flipped, therefore, no equity. And as far as COBRA is considered, I wasn't on the plan, the boys were, so I will not be notified of COBRA rights and also won't be able to apply just for them. He being the subscriber to the policy, he would have to do. There is also the Medical Support order that governs the medical so, other factors are in play. I can't enroll them on my plan unless I can get a certificate of creditable coverage listing the termination date. I won't get that from the ex. And lastly Obama care. Well I applied once for my children only and the exchange found they had an active policy...I can only re-apply when they have three months or more of non-coverage. So, it's complicated...but I do have a call in to my broker friend who will help me with them. At least at this time I do have some cash-only plans in place for accident and hospital and both the boys are current on annual physicals. I so understand the urgency and am working on it. Thank you for all the info and support, it's always great to get advice from others who are in the same boat.