Long story short:
Have a client who is losing their COBRA
coverage on 9-12-2017.
Basically they have exhausted their 18 months.
We are trying to get an effective date form the insurer's in my state-territory in Ohio to cover them effective 9-12-2107.
The result is that each insurer will only issue a 10-1-2017 effective date.
First of month following Loss of Coverage date, so no mid month effective dates allowed anymore.
Also they could not ask for a 9-1-2017 due to the fact their current plan has not cancelled yet.
Does this sound correct ?
Usually I see my SEP's & coverage loss dates at the end of the month not mid month.
I have a hard time believing out politicians would put responsible minded consumers in a position where they would have a GAP in their coverage at no fault of their own.
Yes I did explain and offer STMM, but that would not solve the possible exposure that could happen in the event of a pre-existing condition.