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You should be getting information in the mail about continuing coverage. You have to register online and select which plan you want to enroll in and you’ll be billed for any back payments so you don’t have a lapse in coverage. For example, I left my previous firm in September but I didn’t receive my packet in the mail and get registered until November, so I was billed for both October and November.
Also, I did not receive new insurance card. My previous card was still valid for the continuation coverage.
COBRA is retroactive but there is a time period in which you need to elect coverage.
Not sure if you've already opted in to cobra but when i switched jobs my dad told me that cobra was retroactive? So basically just wait to see if you get hurt during that period you're between jobs and if you do mail in the cobra stuff asap but otherwise don't pay for it