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Q: My husband lost his job on Jan 13, 2009. I had some routine blood work and an echo done in Feb. I went to pick up my cholesterol prescription and found out our insurance was cancelled on Jan 31, 2009. I now have to pay for my Dr's visit, blood work, echo, and paid for my prescription. Should we have been notified that we no longer had insurance? We assumed that we had 30 days after his last day of work before it was to be cancelled.
A: You should notify your husband’s previous employee and see what they have to offer for COBRA. COBRA is the name of a federal law. COBRA contains provisions giving certain former employees, retirees, spouses and dependent children the right to temporarily continue their health coverage at group rates. 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, sometimes the HR dept or benefits manager. Once you complete this form and return it with in 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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