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HIPAA-Health Insurance Portability When You Change Jobs--There Doesn't Have to Be a Gap in Your Health Insurance

Coverage During The Probation Period

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Many employers require a probation period when a new employee is hired to see if the relationship will work and to be sure people don't join a company just to get benefits. The probation period is the time when you are literally on probation with the new employer, rather than a permanent hire. The probation period can last up to 6 months.

During the probation period, a new employee is generally not eligible for any of the employer's benefits, including health insurance.

Under a federal law called COBRA and similar state laws you have the right to stay on your former employer's health insurance plan until the new employer's insurance starts.The key is not when you start work with the new employer, but when you actually become covered by the new employer's health insurance.

While your health insurance from your employer is continued under COBRA, you will pay the monthly premiums, to a maximum of 102% of the premium the former employer is charged for the coverage.

If you do not have a right under COBRA, or if you cannot afford the premium, find out if your health insurance at your former employer has an "extension" (described in the next section).

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COBRA

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