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Q: I have completed my COBRA form to cover my family. I mailed it in, when will we be covered? Will I still be using my original insurance cards or will there be new ones issued?
A: COBRA is a continuation of your previous employer's group health policy. COBRA continuation must provide you with the same coverages, same benefits that you had when you were employed. You will be able to use the ID cards that you currently have. Also, by law your previous employer or COBRA administrator has up to 30 days to process the paperwork which includes your payment information. Once everything is process your coverage will go retro-active to your last day of coverage. If you paid for any bills out of pocket, you should be able to submit the bills to your insurance company and get reimbursed.
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