ody Q: As a person that meets the qualifying events for COBRA am I correct to understand I have 60 days to chose whether or not to purchase the extended family insurance plan? If this is so, can I elect to have COBRA insurance after a medical condition arises? For example; my insurance with my current employer ends 8/31/2012. I do not chose immediately to buy COBRA. My son during a soccer meet on 9/15/2012 breaks his ankle (God forbid) and he goes to the emergency room and requires orthopedic intervention. If I call and request COBRA on 9/16/2012 it will go back to 9/1/2012 and cover the Emergency department visit?