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Can I still be eligible for COBRA after I had a claim?
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 Q:  I graduated college and I was taken off my parent’s insurance.  I didn’t sign up for COBRA but I had an emergency 15 days later and spent 3 days in the hospital.  The bill was $9,000.00.  Can I still elect COBRA and have the bills paid?

A:  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. . They will send you an election form in the mail (they have 45 days from your qualifying event to send it)  for you to complete. 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 and any medical bills that occur during this time will be paid.  You will need to contact the HR department or benefits manager at your parent's employer to find out if you still have time to sign up. 

 

 


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