It seems that when you leave a company usually your coverage lasts until the end of the month then your option to take COBRA starts the first of the following month. Well, don't go to a doctor during the 1st week of the following month because you will show in the system as not covered. It takes time for COBRA to kick in retroactive back the the 1st of the month. Don't get caught because most doctors require payment when services are rendered and you will be out the money until you can get reimbursed by your carrier during this break period.
I've known this for years but had the unfortunate experience recently to tell this story. Be careful. I wish the benefit director and the carriers could get together so this COBRA process is transparent and seamless to the employee. One only knows there is enough anxiety and fear when you are let go from a company and you do not need health and dental issues on top of that immediate stress.
I am sure you readers have had similar experiences or have an answer to this troubling issue.
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