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Q:  Hi, I changed my job voluntary and my last date of employment was 04/24/2009 and usually my employer is giving me salary of current month after 1 month means I got salary of ending period of 04/24/2009 on 05/22/2009. Due to some circumstances, I have used my old employer health insurance between 04/24/2009 to 05/31/2009 but every time before going to hospital / pharmacy, I called insurance company and ask my health insurance plan is valid or not and they said it is active that’s why I used my old employer health insurance plan. On 05/28/2009, my old employer informed insurance company to terminate my health insurance plan from 04/24/2009 & my new employer insurance is started on 06/01/2009. My old employer didn’t inform me about COBRA Insurance as well as they are terminating my health insurance plan. Now insurance company is declined my all medical claims which I used between 04/24/2009 to 05/31/2009 which is around $ 5,000.00. Is there any way I apply for COBRA Insurance or any other way to come out from these issues?

A:  We are a provider of Cobra information and Alternative Solutions.   We are not affiliated with Cobra.  Cobra is NOT a company, but a federal law that allows you to continue on the previous employer’s group health insurance plan.   If you need to elect Cobra or are finding out more information regarding your Cobra Benefits, you must contact your employer.  They send out a packet for you to continue (or extend) your current health coverage. 

There will be NO lapse in your coverage if you elect Cobra with your past employer. Cobra goes back retro-active once you sign up within the time frame listed in the packet.  It WILL cover all pre-existing conditions since it is the same health plan you had.  If you are pregnant or are seeking treatment for any type of health conditions, you really should consider continuing on Cobra.  This will be your only option to have coverage for any pre-existing condition.