Q: A relative has just left his job and knows that he will be having tests to determine an illness within the next two weeks but needs insurance. Does this affect coverage?
A:If his previous employer has more than 20 employees they must offer COBRAcontinuation coverage to your relative.The previous employer or their plan administrator has up to 45 days from the last day of group benefits to mail him the COBRA packet.He needs to submit the election form to his previous employer or their plan administrator payment before the election period expires. COBRA coverage is retro-active to his last day of group benefits and he will not have a lapse in coverage.Any medical bills that he incurred during the election period will be paid by the insurance company based on the previous employer’s group benefits.COBRA coverage can not be denied due to his medical history.
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