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Q:   I have a 3 week gap between employers, am I covered during this time even if I do not recieve the Cobra paperwork?  If I have no medical problems during this period and do not pay the Cobra premium do I have a lapse in coverage once my new employers insurance starts? Or do I have pay the one month premium to get the Certificate of credible coverage from Cobra? Do I need to contact my new employer to see if I need the certificate of credible coverage before I purchase a plan?

 

 

A:  Since the employer has up to 45 days to get COBRA information to you, and you have 60 days from the day that form was sent to you to elect COBRA,   If you do not need to seek medical treatment with in the time of your qualifying COBRA event and the day you start your new group health insurance, you may choose not to elect that continuation coverage. One thing to think about is that if you will need a certificate of credible coverage from the insurance company stating that there was NO lapse in coverage. There are lower cost short term medical insurance options out there that can give you credible coverage.

 

If you are interested in an Alternative to COBRA, Click Here for more information.

 

 


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