ody Q: My girlfriend recently changed jobs. Her last day at her previous employer was 1/22/14, she started her new job 1/28/14. My understanding is that her insurance with her old employer ended 1/31/14. Her insurance at her new job took effect 2/26/14. She got sick with a urinary tract infection on 2/15/14 and was hospitalized. She was billed $21,000 for that one night in the hospital. Is she able to apply for COBRA to get covered for that time in between when her old insurance ended and her new insurance took effect?