I believe all states have a department that oversees insurance companies - possibly located within your state department of health - so you can always run this by them. I wonder what they do if a person takes a vacation out of state and gets sick. This has happened to me and my HMO paid the bill. This raises some interesting questions about COBRA. I got stuck when I transitioned to a new job right when I was turning 65 and using COBRA. SS informed me that COBRA was not considered "equivalent insurance" under Medicare law and that, therefore, I was deemed to have not applied for Medicare in a timely fashion and might be subject to having to pay a surcharge on my Medicare Part B benefits. Go figure!
Good luck - I'm beginning to realize that this COBRA thing - while in general a wonderful benefit - is more complicated than I thought!
My HR department told me that under COBRA, as long as I am living in the "coverage area" - the area the company contracted with the insurance company to cover its employees - I am covered. If I moved to another state, then my coverage would cease. Leaving for vacation etc., does not terminate my coverage. Living outside of the area for more than 30 days would terminate my coverage.
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