ody Q: My husband changed employment the same day I had carpel tunnel surgery but we were told our coverage was good for another week, after he changed. Come to find out, the coverage terminated the day employment terminated. We are now expected to pay a $10,000 surgery bill. They said we could get COBRA coverage to help with this expense, but my surgery was 14 months ago. Is it too late to get COBRA coverage to help with this medical expense?