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change of jobs
Aug 12, 2005

I am currently insured but am changing employers in about 2 weeks. My new employers' insurance will not start for 60 days. How do I not get a lapse in coverage? When does my insurance end with my current employer?Do I apply for COBRA OR HIPAA ( what's the difference? ) and when do I apply? Is there any guarantee that I will be insured with my new employer? I am just so confused and very scared....please help. Thank you.

Response from Ms. Franzoi

When your current coverage ends, you will be offered COBRA by your current employer. Elect COBA coverage and maintain it until your coverage with your new employer begins. Assuming both employers offer group health coverage, you would not be denied coverage under your new employer's plan as long as you enroll in it as soon as it is extended to you. If the new plan has a pre-existing condition exclusion clause, you can provide proof of Creditable Coverage from your prior employer's plan (a certificate of Creditable Coverage should be provided to you by your former employer or you can request it) to apply towards any pre-existing exclusion period.

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