I’m writing this to hopefully save someone from having as bad of a day as I’ve just had. You see, I started a new job on July 3. My new health insurance starts August 1. My former employer terminated my coverage on July 2. COBRA is intended to fill gaps like that, but all I have is a promise that my COBRA paperwork will show up someday. My former employer didn’t send the COBRA paperwork, just a promise that it was coming. Famous last words, you know.
That promise doesn’t help when my wife needs insulin today. And when my current employer doesn’t know what to do, my old employer won’t answer the phone, and my old insurance company doesn’t know what to do either, that’s enough to ruin your day.
What I didn’t know was that COBRA doesn’t work that way.
Read More »What to do when your COBRA paperwork doesn’t show up