American Rescue Plan Act of 2021’s COBRA Subsidy Ends September 31. What’s next?

Can I Use COBRA For A Few Months To Cover A Medical Procedure?

I’m leaving my current company for a better one and my doctor told me that I have to do a specific treatment, but the new insurance does not cover the treatment I need. Can I get COBRA for 3 months so that I can keep my current coverage and finish the treatment? Is it possible to go on COBRA for 3 months and also get the new insurance the company in offering to me, so I can use COBRA only for the treatment the new insurance does not cover?

Typically, you can not have two types of coverage at a time. The qualifying event of leaving a job, opens a special enrollment period to continue on your previous employers plan. Continuing on an employer-sponsored health plan is a legal right under the COBRA Act. When you elect COBRA, you may remain on it for up to 18 months (your dependents may have up to 36 months). It takes another qualifying event to begin new insurance. Depending on the rules of enrolling in the new insurance, you may have to wait until the new employer’s open enrollment period. At that time, you may be able to elect group health insurance.

Affordable Temporary Health Insurance

If you are fairly healthy and still want to remain insured, alternatives to COBRA insurance may be available based on where you live. Short-term health insurance is a popular option and available in most states. This can protect you from high medical costs of new injuries or new illnesses that unexpectedly occur while allowing you to use any licensed doctor. Coverage is available up to $1 million per person. For more information and pricing, you can call us at 1-877-262-7241 or complete a free quote online.

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Short-Term Health Insurance is popular and available in most states to cover gaps between major medical plans.

These plans also cover COVID-19 hospitalization. After deductibles and coinsurance, many plans will have $1 million in coverage.


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