Do I have to take a physical examination before I can get COBRA?
Your employer’s plan can not make you take an exam before they enroll you in COBRA. Also they can not deny you or exclude you from coverage based on your health. As it is the same plan you’ve been on COBRA will cover all pre-existing conditions, without question.
COBRA Is An Extension Of The Same Insurance You Had
All of your previous employer-sponsored health insurance benefits stay the same when you elect COBRA insurance continuation. It really is the same plan you had before. You’ll keep your same insurance ID card and your doctors and clinics you use.
Or, Save Money With Short-Term Medical Insurance
If you are fairly 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.
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