My husband will be leaving his job on may 16th to start a new one. I am due to give birth about 2 weeks after he starts the new job. The new company told him we could get cobra & they would cover what the old insurance will. Is that true & does that include the 100% hospital covererage we had for when I have the baby?
A:: COBRA is a federal law, which allows you to continue on your previous employer’s (not your new employer's) group health plan. When you elect COBRA coverage, it will be a continuation of the same group health plan that you were on the day before your insurance was terminated. If the pregnancy was covered now, it will be covered with the COBRA election. Since this would be the same policy, the benefits would be the same.
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