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[quote=Anonymous]Do not sign up for a gap plan. Sometime in January, your husband will get COBRA paperwork. Save that for now. If there is an emergency, you go to the doctor/urgent care/ER/whatever and seek treatment. Tell them you are waiting for your COBRA paperwork. They know what to do with regard to the bill. For smaller things, you might be asked to pay out of pocket, and get reimbursed (remember, your deductible will reset). Or they will send to your insurance and your insurance will wait to see if you pay the COBRA premium before adjudicating the claim. Should you seek treatment, pay the COBRA premium (unless it’s more cost effective to just pay the doctor out of pocket). I’ve done this several times when changing jobs/insurances that don’t align. You’ll be OK.[/quote]
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