Typically, when does your health insurance coverage end after losing or quitting your job?

Question

I am trying to get in touch with my husband's former employer (surprise surprise they're not answering my messages) to find out how long our coverage will last. But in the meantime I was just wondering what other people's experiences have been. Did your coverage end the day you left? Or did it last for a bit longer?

Thanks guys! I'll put this to a vote.
Hm, now I see why they asked my husband to leave on the 31st, and not fulfill his 2 weeks. Jerks. I'm still trying to get in touch with these fools. I won't report them to the labor board, but we will make sure that all our friends still working there know what happened.

Answer 1

Usually it lasts up until the end of that month. If he quit on the 2nd of the month, it will go for that whole month. If he quit at the end of the month, it will end shortly.

Answer 2

Health Insurance After Quitting Job

Answer 3

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RE:
Typically, when does your health insurance coverage end after losing or quitting your job?
I am trying to get in touch with my husband's former employer (surprise surprise they're not answering my messages) to find out how long our coverage will last. But in the meantime I was just wondering what other people's experiences have been. Did your coverage end the day you left? Or...

Answer 4

You can buy a temporary policy for catastrophic coverage rather inexpensively. Usually about $100 a month maybe less for you since you are so young. This way if you should get into a car wreck or something else awful happens you at least will be covered for hospitalization. It won't cover your ADD medicine. Then get on your company policy as soon as possible. Good Luck, this is a good example of the problems in our current health care system.

Answer 5

Typically, it ends at the end of the month your husband quit. You should recieve COBRA paperwork from them within 2 weeks after he quit. This will give you a termination date of the insurance, your letter of eligibility for COBRA (you will have to sign a letter from them stating whether you accept or deny the COBRA coverage) and the contact number for the coverage. For documentation purposes, it might be a good idea to send a request to them in writing Certified Mail so that someone will have to sign for it. This may just give them the clue that you are not going to let this pass. BTW, the COBRA info stated above is required for employer groups of 100 employees or more (HIPAA regulation).

Answer 6

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Many short term medical policies are considered creditable coverage and would therefore eliminate the pre-existing clause with the new policy. Contact a local agent that works with all of the major companies in your area to find out which plans would work for you. Otherwise, you can take COBRA for 1 month. You are allowed a break in coverage of no more than 63 days before the new policy can impose the waiting period.

Answer 7

Usually to the end of the month when your last day of work was. You would normally be eligible for COBRA, which is a federal law that allows you to continue the group health insurance plan for 6 months - but you have to pay for it, the employer doesn't.

Answer 8

It depends on the employer for the most part. Some end it the last day of employment. Some end it at the end of the month following the last day (if your last day is the 15th, they'll keep you on the plan until the 30th kind of thing.) Some give you another month.

You can also contact the plan directly (member services - the number is on the back of your card) and ask if there's a term date for the insurance. They'll be able to tell you if there's one listed.

Answer 9

Typically it runs until the end of the month. If the company is in the US and has more than 20 employees, they probably have to offer the COBRA extention, where you could pay for additional months of insurance.

Answer 10

It's usually either the day after you leave, or the last day of the month you were employed.

If there were 25 employees or more, they would have to offer him COBRA coverage - giving you the opportunity to keep it for up to 18 months, at YOUR cost.