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Q: I am in the period between the last day of my employment and the due date for my first premium. I have incurred medical expenses including an ER visit and medications during this period. The benefits department administering my COBRA says my insurance will not be in effect to cover these costs until I pay the 1st premium, which is not due until 11/3 (3 weeks from now). In other words, I must keep paying out of pocket until my first premium is paid and then petition for reimbursement. Is this in accordance with the law? (By the way, I did not receive the premium payment coupons until several weeks after electing COBRA and did not receive notification until weeks after my employment was terminated
A: Like all insurance policies, your COBRA coverage will not start until your premium payment is received. COBRA is a continuation of your employer’s group health plan and the only insurance coverage that is retro-active. It is true; you will need to pay any medical bills out of pocket until your COBRA payment is received. The insurance company must reimburse you for those medical bills you paid based on the group health plan’s benefits. The sooner you submit your election form and 1st payment, the quicker the claims can be processed and paid. Also, most employers do not send out coupons. COBRA law does not require the previous employer or their plan administrator to send you a monthly invoice or coupons.
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