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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. 

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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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Temporary health insurance is a popular, affordable solution to cover gaps in coverage while you are between Major Medical plans.


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

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