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2 days between cobra and new insurance

May 3, 2005

after leaving my previous job, i elected to enroll in cobra until i found a new position. that time is now (thankfully!), so i am wondering how to handle the transition from cobra to my new company's insurance. i am paying cobra on a monthly basis, currently have paid through april. my new job begins on may 2, and the company's info packet says health coverage begins on my first day of employment. this will leave one day, may 1st, during which i will have a lapse in coverage. from what i've read, this should be fine since this is less than 63 days, but i wanted to verify that i will not be caught by any pre-existing conditions clauses by having that one day of lapse. if so, i would much prefer to simply pay cobra for the entire month of may to prevent any issues.

Response from Ms. Franzoi

The one day gap in coverage will not create any problems with respect to any pre-existing condition clause that your new employer's plan might have. If your new employer's plan has a pre-existing condition clause, you will need a certificate of creditable coverage from your prior health plan which will provide the period you were covered under the plan both as an active employee and as a COBRA participant.

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