hubby's job ended June 30th. we're going to get COBRA, but we haven't gotten any paperwork yet. I need to go to the doctor TODAY for a lab test. We called HR but the person who does COBRA is out until the 13th, and there may or may not be anyone who can answer the question in the office at all. Hubby is calling blue cross but who knows if they will be able to answer the question. I can't eat something till I get the lab test done, so please answer quickly, how does COBRA work before the paperwork is done? Edit- thanks...just found out he's probably got insurance through Sept.