Chick Karam

Question: My wife is pregnant. Due date: 9/10/09. Our COBRA health insurance expires on 7/18/09. What to do?

Our insurance expires before the due date. NO PROBLEM. We're getting a HIPAA guarantee issue plan. Here's the question: Our insurance expires on the 18th, but HMO's don't start until the 1st of the month. This would leave a 2 week gap where we wouldn't have coverage. We can't start a HIPAA HMO on July 1, because you have to expire all 18months of COBRA before you're eligible for a HIPAA guarantee issue plan. Chances are it'd be ok waiting until 8/1 to begin our new HIPAA plan, but if my wife went into early labor, it would be a very, very bad situation. PPO's start on the 1st, and sometimes the 15th. Same problem. What should we do? We'd prefer to not have a gap in our coverage.

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