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I am confused. I signed up for medical, dental, and vision insurance and the amounts are being deducted from my pay check. Why have I received a letter about Cobra and have to reply no later than 03/2013 in order to continue vision and dental. I am mixed up. I guess I am dense. It's from E Cobra. What is this? Thanks for you help. I know I could contact human resources, which I may on Monday, but thought I'd see if you can help me. Thanks in advance.