Q:I have been insured with group policies since 1972 with an 11 month period under COBRA. Presently, I'm waiting to sign up for COBRA because I'm planning to be offered a position with group medical benefits. Will there be any problem getting coverage since I have been a diabetic for almost 20 years?
A:COBRA is a continuation of your same coverage you’ve had with a previous employer. Being that you are diabetic, COBRA would be your best option due to that fact that you have a pre-existing illness. You will need to request a COBRA packet from your employer, sometimes the HR dept or benefits manager. They will send you an election form in the mail (they have 45 days to send it) for you to complete. Once you complete this form and return it with in 60 days, your insurance will be retro-active to your last day of employment. You will not have any lapse or gap in coverage.
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