Don't know anything about COBRA insurance, so I'm afraid I can't help, GG. However, I can sympathize with you because I've been up the creek with DaVita before, and they ate my Marvin's paddle, too! In fact, the buzzards poked a hole in his boat, too. DaVita sucks! But, DaVita also hates it when you fight them -- so, I say, fight, fight, fight!