My insurance ends on June 30 due to a new job I am starting and I will be in a waiting period for insurance until August 1. I am not electing Cobra because I don’t foresee needing it and also due to the cost. Can the new insurance refuse to cover anything related to my pre-existing condition due to the gap in coverage?

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Also, you can elect COBRA when and if you need it and it will be effective from the date your insurance expired. So it will be like there was no gap and you only elect if you need it. You can take a look at your firms portal for more details on how COBRA works.

That’s right. Fill out the cobra paperwork and the check and put it in an envelope. If anything happens send it in. Your current insurance card will work until your new insurance comes on (depending on cobra coverage and new benefits period).

If it’s another employer plan then preexisting conditions won’t matter.

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