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Q:  My wife is pregnant and we do not have coverage through COBRA, yet. I want to just get her coverage. Is this possible? Do I need to let my former employee know that she is pregnant?

A:  COBRA is a federal law, which allows you to continue on your previous employer’s (if there is more than 20 employees) group health plan.   When you elect COBRA coverage, it will be a continuation of the same group health plan that you were on the day before your insurance was terminated.  If the pregnancy was covered now, it will be covered with the COBRA election.  Since this would be the same policy, the benefits would be the same.  You will get the election form in the mail from your employer and it should take no more than 45 days. You will only have 60 days from the day that information was mailed to you to elect coverage. You will be able to elect coverage for just your spouse if she was on the policy prior to termination. You would not be able to add her to your COBRA policy until open enrollment time with your employer. Your coverage will back date as soon as you send in the election form and your first premium payment.  So if she has had to seek medical treatment during that enrollment time, she will be covered. You will just have to resubmit those bills after the COBRA is in effect.

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