[arcticbull]

Yeah, most people don't realize that you have 90 days to elect COBRA retroactively after you leave a job. They'll reimburse all your expenses incurred during that time period under the program as if you'd had it the whole time. Once you pay the premiums, of course.

So you basically get 90 days "free" COBRA, but your deductible is 1, 2 or 3 months premiums.