Paying medical insurance through payroll deduction how long is it paid up to after you quit you job?

Answer 1

Usually your insurance ends on you last day of work. Best bet would be to call the insurance company and find out exactly when it expires. You will have the option to have Cobra insurance, that you pay for on your own. It's expensive, so I would probably be better to go with another carrier. If you can, get all of your medical appointments over with before your last day. Make sure they don't carry over because it's a mess when there are two insurances involved. I am afraid I disagree on two points above. First, if you have paid for coverage by having those premiums deducted and the insurance company has accepted them then they either have to extend coverage for the period you have paid for or return any unused premium to you final work day. Second, I can not argue strongly against the idea that you �get all of your medical appointments over with before your last day�. I see this very frequently both as a job is ending and/or when Cobra is coming to an end. While I understand the temptation, this strategy has a HUGE downside. If they find something that requires treatment that you previously did not know about that diagnosis may have just made you temporarily or permanently ineligible for some other coverages. If you are healthy get the alternate individual coverage in place first since that needs to be medically underwritten in most states. If after that is done you get the same diagnosis, since you did not know previously that it existed, you can not be denied or cancelled as a result. ANSWER True, you do get what is paid for, however in some cases, your employer pays the entire months premium at th begining of the month and if this is the case you will be covered through the entirety of the month in which you are terminated. It is best to ask your employer to be sure of the length of coverage after termination.