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?
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).
You may use COBRA for a few months. Canceling COBRA early is not considered a qualifying event. If you want major medical, ACA-certified coverage, you will need to go onto a new employer health plan or wait until open enrollment, which happens in November.
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