What If I Have To Go To The Doctor Before COBRA Starts?

I retired 4 days ago and the company I worked for said that I will receive COBRA enrollment information from the insurance company in about 10 days. If I needed to go to the doctor prior to enrollment completion am I going to be covered by insurance? I am concerned that if my health failed I might not have insurance.

If you need to see a doctor prior to completing the enrollment form, you can still submit your insurance card. Even if they say your insurance isn’t active, as soon as your enrollment into COBRA is complete and you pay your first COBRA premium, your coverage is retroactive back to the date of the loss of coverage.

COBRA Can Fill The Insurance Gap Until Medicare

If you retire before the age of 65, the COBRA act ensures that you are able to continue your current employer’s group health plan for up to 18 months. This will give you the most comprehensive care until Medicare kicks in. When you elect to stay on your former employer’s health insurance, you pay the full premium, plus a 2% administration fee.

Affordable GAP Insurance Until Medicare

If you are 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.

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