How bad is it if he goes 1 month without coverage?
It happened with one of my clients a few years ago. Humana made a mistake and he missed 1 month of drug coverage. He got a LATE ENROLLMENT PENALTY added on to his monthly premium and the penalty is for life!
My client was very upset and I worked with my FMO and Humana and finally got it corrected so he had coverage and no penalty. It took Humana about 1 month to get it fixed.