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I have had the experience of;

waiting on cobra paperwork to arrive

signing up electronically as soon as I got the paperwork and paying online immediately

waiting after I signed up electronically to get my new Health insurance card in the mail (new group code) but not getting a prescription card

trying and failing to get a prescription covered, and as a result paying out of pocket hundreds of dollars for one script and skipping two others

calling health insurance provider (aetna) who said essentially “not our problem talk to your prescription provider”

called cvs Caremark who said my employer ended my coverage and would not help me assess how to get cobra (conexis) verification of coverage so they could get me a new account or reactivate my old account

Called conexis who was not helpful and did not understand what was going on but will “resend verification “ and I should wait 3 business days.

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