Q:I was laid off at the end of January & I have a pre-existing condition & am interested in what kind of coverage I would be eligible for.
A:If you had insurance thru your previous employer your need to contact their HR Department.Your employer is required by law to offer you the continuation of their group health policy for up to 18 months if there are more than 20 employees. You will need to request a COBRA packet from your employer. They will send you an election form in the mail (they have 45 days to send it) for you to complete. Once you complete this form and return it within 60 days, your insurance will be retro-active to your last day of employment. You will not have any lapse or gap in coverage.
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