Covering Medical Expenses Before COBRA Starts
How do I cover medical and prescription costs while waiting for COBRA, and will I be reimbursed?
If you elect COBRA and pay the required premiums, your coverage is retroactive, and you can be reimbursed for eligible medical bills paid out of pocket during the gap. Contact the plan administrator for details on filing a claim.
How to File a Claim for Reimbursement
Your COBRA paperwork must explain how to obtain benefits and must include written procedures for processing claims. Claims procedures must be described in the Summary Plan Description.
You will need to submit a claim for reimbursement in accordance with the plan’s rules for filing claims.