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COBRA questions (with answers) I have received via Email

I was recently laid off from work. I found a new job, but my insurance doesn't start for 90 days. I don't want to have to pay for COBRA, if I can avoid it, since it runs about $1070 (is this legal?). I have 60 days to decide, but only 45 to pay. If I incur medical expenses before I do either, can they be covered if I send in my payment? If I have a 30 day grace each month, can I get 90 days coverage making only two months payments (i.e. 44 days and 30 days after that)?

Thanks-

Dennis



Dennis:

Because COBRA is continuation coverage, the high premium is the same your employer paid while you worked there. If you incur medical expenses during your enrollment period, then you should be covered, retroactively.

There is no 30 day grace period with COBRA, and if your premiums are late you would be summarily terminated from the plan.

The government makes the coverage an entitlement benefit, but does not control the premium. Get temporary health insurance here

Sincerely,

Craig Casey
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