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Can I Use COBRA For A Few Months To Cover A Medical Procedure?

I’m leaving my current company for a better one and my doctor told me that I have to do a specific treatment, but the new insurance does not cover the treatment I need. Can I get COBRA for 3 months so that I can keep my current coverage and finish the treatment? Is it possible to go on COBRA for 3 months and also get the new insurance the company in offering to me, so I can use COBRA only for the treatment the new insurance does not cover?

Typically, you can not have two types of coverage at a time. The qualifying event of leaving a job opens a special enrollment period to continue on your previous employer’s plan. Continuing on an employer-sponsored health plan is a legal right under the COBRA Act. When you elect COBRA, you may remain on it for up to 18 months (your dependents may have up to 36 months). It takes another qualifying event to begin new insurance. Depending on the rules of enrolling in the new insurance, you may have to wait until the new employer’s open enrollment period. At that time, you may be able to elect group health insurance.

You May Cancel COBRA At Any Time

When you get new health insurance, will need to cancel your COBRA insurance. You may not have these COBRA and another work plan at the same time.

To cancel your COBRA, contact the plan administrator.

COBRA Eligibility

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Common Third-Party Administrators

Your COBRA plan may be managed by a third-party administrator. Many employers work with the following:

If you are unsure who your plan administrator is, reach out to the human resources department of the company that provided the health insurance you had.

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*Eligibility for short term medical insurance is based on age and state availability.

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