Q: My mother in law has been covered by insurance for the past 20+ years. She recently got a new job and her benefits do not kick in until June 21. They offered her COBRA but she declined. This week she went to the hospital with a brain aneurysm and is racking up thousands in bills. Is there a way to back pay in Cobra and get her covered retroactively?
A: Even if your mom has declined the COBRA she still would have the 60 day time period to change her mind and elect coverage. You should contact the past employer to find out the specific dates involved. If she filled out the forms and sent in a premium payment before the due date then her coverage will be retro active and there would be no lapse. She would just have to resubmit bills at the time when the COBRA policy is in force.
Copyright 2007 COBRA Insurance
.com - COBRA Insurance Information Source. All rights
reserved.
Important
Disclaimer: COBRA is a law (It is not an endorsed
insurance plan or company). Answers and comments provided
on
Cobra insurance .com website are general information,
and are not intended to substitute for informed professional
medical, psychiatric, psychological, tax, legal, investment,
accounting, governmental, or other professional advice.
Cobra
insurance .com does not endorse, and expressly disclaims
liability for any product, manufacturer, distributor,
service, health plan, or service provider mentioned or any
opinion expressed in the website. Replies, comments, or
information gathered on
Cobra
insurance .com website may not be accurate but are
intended to be helpful.
Search COBRA Insurance Questions
Browse by Category
Print this page
Email this page
Post a comment
Subscribe me
Add to favorites
