I was recently offered a new job in my field of study. The down side to it is that I will not be receiving health insurance. I am scheduled to have surgery 2 weeks after my start date at my new job. Will my current health insurance cover me or will COBRA cover my surgery?
COBRA is a continuation of your previous employer’s group health policy. COBRA coverage starts on the day that your group health insurance ended because of a qualifying event, in your case quitting for a new job. Your previous employer has up to 45 days to mail you the COBRA packet. Once you receive the packet and send in the completed election form your COBRA health insurance is retroactive to your last day. You will not have a lapse in coverage. If there is coverage for your surgery on your previous employer’s health plan, it will be covered under COBRA continuation.
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.