I was recently terminated from my job. I am entitled to Cobra. I began dental procedures prior to COBRA with my former employers dental plan. But I also have my wife covering me under her plan as a secondary coverage. Since I am in the middle of these procedures and my former employers dental coverage runs out prior to completion, procedures which will require another month or two are there any provisions/exclusions in situations like this that will at least allow me to finish what was already started. Now that I am out of work this was a cost I was not expecting and am not sure I can complete with out the benefit of both coverages which is the only reason I began them. Please advise.
Your previous employer has up to 45 days from your last day of work or from the last day your group benefits end to send you the COBRA packet. Once you complete the election form and return it, the COBRA continuation coverage is retroactive to your last day or last day of benefits. Therefore, your dental procedures will be covered, if you choose to elect COBRA. COBRA is a continuation of the same coverages, same policy that you had when you where employed. COBRA continuation does not impose any pre-existing limitation unless those limitations were on the policy before your last day of work. Keep in mind however, that you will have to pay the full premium with COBRA.
Other Short Term Medical Options
There are alternatives to COBRA available. You can get a quote on short term medical insurance by calling 877-262-7241 and a customer service representative can answer COBRA questions you may have or help you find a plan that is more affordable.