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Q: My husband and I are moving out of California to Washington State in October. I am 4 1/2 months pregnant and would need COBRA for the duration of the pregnancy. Washington. Would I be able to have COBRA and have my pregnancy paid for in Washington?

A:  If there are more than 20 employees at the job you are leaving, then that employer has to offer you a continuation of the same group health plan for duration of up to 18 months. Employers must offer alternative coverage to qualified beneficiaries that will be moving outside their insurance coverage area. The employer must make the alternative coverage available before on by the date the beneficiary moves, or if it is later, than the first day of the month following the month you made the request to move and needed alternate coverage. 

Also,  the pregnancy would be covered if the group health policy had coverage for it at the time you applied for COBRA. A qualified beneficiary can add a newborn baby to their COBRA coverage.  The newborn will become a qualified beneficiary and be entitled to the same coverages as the employee.