Health Insurance: If I change jobs or become unemployed, can I take my health insurance coverage with me?

If you switch employers, you have the right to carry your group health insurance coverage with you to a new job for up to 18 months under the Consolidated Omnibus Budget Reconciliation Act (COBRA).
You must pay the full premium, but at group rates that are far cheaper than the individual rates you would pay for similar coverage. Health insurance under COBRA is available if you are in the following situations:

You leave a company and become unemployed or self-employed for up to 18 months.
You are a widow or widower or child of an employee who dies while working for the same company for three years or more.
You are the divorced spouse or child of an employee who has left the company he or she was employed at for at least three years.
You are the child of an employee who left a job and have not yet reached age 23.

Talk to the agent or company representative who sold you the policy Let the agent know that you are dissatisfied and explain the specifics of your problem.
Contact the claims manager of the company Provide a written explanation of your problem with copies of supporting documentation. Remember to send only a copy and not any original documentation. If you are insured with a smaller company, consider writing directly to the president. Going to the top can sometimes speed the process.
Contact your state insurance department Insurance is a regulated industry and your state department of insurance should be able to help you resolve your problem.
Consult an attorney If you have tried all four of the above tips and still cannot resolve the claim, you have the option of talking to an attorney. You may have to pay a consultation fee for your initial visit, so make sure you know how much this will cost. Meet with an attorney who has solid references or get the name of someone from your local bar association. Prepare for the visit by bringing a copy of your insurance policy and other relevant documents. Get the fee structure in writing before you decide to pursue the case.