Q: Say one's COBRA payments cover from the 8th of the month to the 7th of the following month. This person gets a new job and insurance starts on the 18th . Is there anyway to avoid paying another whole month's COBRA? If this was done there would be no coverage from the 8th to the 18th = 10 days. Does this time period qualify to meet the definition of "continuous coverage"? Or can there not even be one day's lapse to meet the definition of "continuous coverage"?
A: Your premium payments to COBRA are usually for 30 days of coverage. You have the right to cancel your COBRA coverage at any time. You may want to contact your employer or their plan administrator to see if they can bill you for only the days you need the COBRA coverage. You can not go longer than 63 days without insurance or the new employer's group plan can put limitations on pre-existing conditions.
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