My husband has switched jobs and we are currently paying COBRA benefits. He is eligible for insurance under his new company. I am 7 months pregnant and are wondering what my rights with COBRA as far as if I can keep my COBRA insurance to keep my current doctor till the birth of the baby or if I need to jump on the new insurance since it is offered.
You can continue on your husband’s health insurance after quitting his job with COBRA as long as you are not enrolled in your husband’s new employer’s group health policy. A person can’t have COBRA and another insurance at the same time. Please note that you will not be able to be added to your husband’s new insurance until the employer’s open enrollment.
If you are fairly healthy and still want to remain insured, more affordable insurance alternatives to COBRA may be available based on where you live. 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.