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| Will I be covered if medical expenses are incurred during COBRA election period? |
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Q: I may be accepting a job offer that would require me to start work in a few weeks with a new employer and leave my current employer. If I were to get hurt or have an accident, either during the time frame allowed by my current employer to notify me of continuation rights, or during the 60 day election period, is there a way to be covered retroactively? In other words, if I am in the election period and something happens prior to me electing to continue coverage, can I do anything so that expenses incurred with the incident are covered in accordance with the plan established with my current employer?
A: Well, since the employer has up to 45 days to get COBRA information to you, and you have 60 days from the day that form was sent to you to elect COBRA, you may have time to get other coverage within that time. If you do not need to seek medical treatment with in the time of your qualifying COBRA event and the day you start your new group health insurance, you may choose not to elect that continuation coverage. One thing to think about is that if you will need a certificate of credible coverage from the insurance company stating that there was NO lapse in coverage. There are lower cost short term medical insurance options out there that can give you credible coverage.
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