Hello and thank you for allowing me the opportunity to assist you.
Yes, I'm sorry to say that they will ask you about any retirement accounts, and they can require that you use those accounts to pay for your medical care. If you need to have those procedures, then it may be worthwhile to keep the cobra for one more month and get those procedures paid for by insurance. Or, another option is to buy cheaper insurance which may not pay for everything, but it may pay for the bulk of what you need done. You would need to get insurance immediately, however (i.e., if tomorrow is your last day of cobra, then you need to get the new policy
in place tomorrow). If you let insurance lapse, then when you get a new policy, they do not have to pay for pre-existing conditions. But if you maintain insurance the entire time, then a new policy cannot exclude pre-existing conditions.
Does that answer your question? Please let me know if you need clarification, as I am happy to continue helping you until you are satisfied. Also, your positive feedback is much appreciated.
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