Q: I am currently switching jobs and need Cobra Insurance until my 90 days is over with the new company. Once that time period is over, I will be eligible for their health insurance plan. How do I go about getting Cobra Insurance? Do I have to have my prior employer contact you or health insurance?
A: Your employer is required by law to offer you the continuation of their group health policy for up to 18 months if there are more than 20 employees. 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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