I think this guy is screwed, but he said one of his friends was able to make it work without a gap so I am second guessing myself (I have a suspicion he is mistaken, but at the rate they change things on healthcare.gov, maybe he is right?)
18 months ago he retired, his large-group employer coverage ended the last day of employment, not the last day of the last month of employment. So March 12. April 12th, whichever..
Takes COBRA. Good thing he did because he had two heart attacks during the last 18 months.
Now he has his notice that COBRA is running out October 12th. If we apply through the exchange today, will they put it into effect October 1st since technically he will still have coverage at that point? He says a friend got it without a gap. I haven't run into this situation recently so can't say for sure if they have changed something.
I didn't think they would put it into effect until November 1st, But this guy is a major heart attack risk apparently, so if there is a way to get it October 1st, I am all for it. He will do 3 weeks of a short term plan, but the real risk for him is pre-existing stuff.
----------
OK, just talked to the guy again.
He said the COBRA person told him he could request termination of COBRA and they would send a letter ending it Sept. 30 so he could get an October 1st start date.
What I am concerned about is hc.gov asking for proof of loss of coverage (which they do now), and him having a letter from the COBRA saying "we received your request to terminate coverage Sept 30th", and the marketplace not taking it because it was "voluntary". two weeks early.
18 months ago he retired, his large-group employer coverage ended the last day of employment, not the last day of the last month of employment. So March 12. April 12th, whichever..
Takes COBRA. Good thing he did because he had two heart attacks during the last 18 months.
Now he has his notice that COBRA is running out October 12th. If we apply through the exchange today, will they put it into effect October 1st since technically he will still have coverage at that point? He says a friend got it without a gap. I haven't run into this situation recently so can't say for sure if they have changed something.
I didn't think they would put it into effect until November 1st, But this guy is a major heart attack risk apparently, so if there is a way to get it October 1st, I am all for it. He will do 3 weeks of a short term plan, but the real risk for him is pre-existing stuff.
----------
OK, just talked to the guy again.
He said the COBRA person told him he could request termination of COBRA and they would send a letter ending it Sept. 30 so he could get an October 1st start date.
What I am concerned about is hc.gov asking for proof of loss of coverage (which they do now), and him having a letter from the COBRA saying "we received your request to terminate coverage Sept 30th", and the marketplace not taking it because it was "voluntary". two weeks early.