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Re: [IP] cobra question/pre-existing condition



I had a similar problem.  In my situation, I had a 60 day grace period to go
"without" insurance.  Yes, that means you need to stock up on supplies if
you go that 2 months w/out insurance.  If something major were to happen
during that 2 months, you could pay the cobra payment and it would be
retroactive. - treating you like you had insurance all along.  Anyway,  if
it were to be longer than 2 months until my job's insurance took affect, I
could have paid a monthly payment and stayed under my parents insurance.
This turned out to be really expensive.

Hope this helps !!
----- Original Message -----
From: Julie Britt <email @ redacted>
To: <email @ redacted>
Sent: Monday, November 29, 1999 11:09 PM
Subject: Re: [IP] cobra question/pre-existing condition


>
> My mom is looking into cobra for me because in a year when i turn 23 i
will
> be off her insurance and won't be done with school yet so I won't have a
> full-time job.  There is supposedly a 90 day grace period of sorts...if
you
> have had insurance within the last 90 days they can't deny you because of
a
> pre-existing condition, however I'm not sure about any waiting period.
they
> never mentioned it to us and I didn't think to ask.
>
>
> >Suppose you lose your job, and the insurance lasts until the end of Nov.
> >But you don't receive the cobra info until halfway through Dec because
> >it takes 4-6 weeks to get it sent to you. I know that when you get cobra
> >started, it will be retroactive to the beginning of Dec and cover any
> >charges incurred during those 2 weeks. HOWEVER, my question is: when you
> >get a new job, and thus new insurance, can the new insurance company
> >look at this and say that there has been a lapse in coverage during
> >those first 2 weeks of Dec, making you subject to the waiting period for
> >pre-existing condition?
>
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