You may not want a gap because then pre-existing conditions can come into play and they can not cover prescriptions for 18 months. You need to check what the coverage with your new employer is--you may be able to slide by and retroactively pay your COBRA only if you need to use it during those 20 days.
This must be what going mad feels like.
Simon ,'Jaynestown'
Spike's Bitches 36: Did I Sully Our Good Name?
[NAFDA] Spike-centric discussion. Lusty, lewd (only occasionally crude), risque (and frisque), bawdy (Oh, lawdy!), flirty ('cuz we're purty), raunchy talk inside. Caveat lector.
Scrappy - Jul 16, 2007 10:23:08 am PDT #6757 of 10001
Life moves pretty fast. You don't stop and look around once in a while, you could miss it.
Ginger - Jul 16, 2007 10:23:30 am PDT #6758 of 10001
"It didn't taste good. It tasted soooo horrible. It tasted like....a vodka martini." - Matilda
Is it a big problem if I have, say, a 20-day gap in my healthcare coverage?
Just ask yourself, "Do I feel lucky?"
Emily - Jul 16, 2007 10:24:09 am PDT #6759 of 10001
"In the equation E = mc⬧, c⬧ is a pretty big honking number." - Scola
There is no new employer. I hope there will be a new employer, but right now there isn't one. If there is one, it won't be until September.
Emily - Jul 16, 2007 10:25:32 am PDT #6760 of 10001
"In the equation E = mc⬧, c⬧ is a pretty big honking number." - Scola
To clarify: I'm not talking about a prospective gap here, I'm talking about the gap that I already have since the first of July. I'm going to get some health insurance, but it'll be much cheaper for it to be from here on out than for it to be COBRA, which is the only way I can see to cover that gap. The pre-existing condition thing is already a problem for that short a gap?
Jessica - Jul 16, 2007 10:31:22 am PDT #6761 of 10001
And then Ortus came and said "It's Ortin' time" and they all Orted off into the sunset
It depends on your insurance plan -- the last time I had a gap, it didn't count wrt pre-existing conditions because it was under 90 days.
Zenkitty - Jul 16, 2007 10:33:47 am PDT #6762 of 10001
Every now and then, I think I might actually be a little odd.
The important question is "Is there broadband in hell?"
There must be. The Internet is the work of Satan, after all.
Emily - Jul 16, 2007 10:34:46 am PDT #6763 of 10001
"In the equation E = mc⬧, c⬧ is a pretty big honking number." - Scola
it didn't count wrt pre-existing conditions because it was under 90 days.
That would be cool. But there's no consistent rule about this?
beth b - Jul 16, 2007 10:37:16 am PDT #6764 of 10001
oh joy! Oh Rapture ! I have a brain!
Trudy Booth - Jul 16, 2007 10:53:08 am PDT #6765 of 10001
Greece's financial crisis threatens to take down all of Western civilization - a civilization they themselves founded. A rather tragic irony - which is something they also invented. - Jon Stewart
COBRA can be applied retroactively for 60 days (might be 90) so if you get hit by a bus on day 59 you just back-pay and you're covered.
Emily - Jul 16, 2007 10:55:00 am PDT #6766 of 10001
"In the equation E = mc⬧, c⬧ is a pretty big honking number." - Scola
Oh perfect, thanks, beth.
Trudy, the deal is that I want to get coverage now (ideally some cheap catastrophic) rather than taking COBRA, so I don't want to double-cover myself. Er. If that makes sense.