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.

To my understanding she should still be able to elect Cobra she is going to be responsible for paying for it on her own, she won’t be subject to the reduction or stimulus for her Cobra coverage but she shouldn’t get “denied”.  It is just a continuation of the exact same coverage she had when she was working.  I would verify and double check that with her employer or the HR/Cobra administrator just to be sure that is in fact the case.