If I had a procedure done during the first six months and I had to renew my plan for another six months, will that previous procedure be considered a new procedure. Also, does this plan pay for any type of hospital stay or ER visits?
If you need to seek medical treatment within the time period it takes for you to get information from your employer and the time you sign up and make your payment, you may have to be reimbursed for your treatment. As soon as you sign up or renew COBRA, (before the deadline) and make your premium payment you are going to be covered retroactively back to the last day of coverage and there will be NO lapse in coverage.
Your Doctors, Clinics, Hospitals and Prescriptions Are Covered Under COBRA
When you elect insurance continuation of your former employer’s group health plan, you get all of the same benefits you had previously. You keep your prescription drug coverage and all the hospitals, clinics and doctors that you had previously. Nothing changes about your coverage when on COBRA.