I am changing jobs Jan 1. At new job, I won't be eligible for health insurance until 30 days have passed. My understanding of the best strategy is as follows:
- Obtain forms to apply for COBRA from current employer, but don't actually apply right away
- Plan on using no healthcare in January
- If no healthcare used in January, don't submit COBRA and just proceed with new coverage
- If emergency care needed in January, apply for COBRA after the fact, pay premium and we'll be covered retroactively
Do I have this right? Do I need to request forms from current employer, or will the documents to apply for COBRA be sent automatically? Does this create an issue down the line if we were technically uninsured for a month? Thanks for any help.
- Obtain forms to apply for COBRA from current employer, but don't actually apply right away
- Plan on using no healthcare in January
- If no healthcare used in January, don't submit COBRA and just proceed with new coverage
- If emergency care needed in January, apply for COBRA after the fact, pay premium and we'll be covered retroactively
Do I have this right? Do I need to request forms from current employer, or will the documents to apply for COBRA be sent automatically? Does this create an issue down the line if we were technically uninsured for a month? Thanks for any help.
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