KIYA, keep fighting Cobra, i had to. call them every week if you have too. get them to write you a letter that your money is on it's way and show this to your T and Pdoc. That way they know your going to get their money. Cobra needs to know that you are not stable and that they are adding to it. I used all 24 months of mine. They are a beast and i am so sorry you are going through this. it sounds just like my situation. just call and call. don't cancel your appt yet. i hate money and what it does to some folks(me)..........pj56..........