will they do my surgery if i am technically not insured on the day of the surgery?

So I have a weird insurance situation happening right now. I’m on my dad’s health insurance and he’s losing his job on the 30th (so my health insurance ends at 11:59 pm on October 30th). As part of his severance, they are paying for a few months of Cobra, which is active on the 31st. However, he can’t submit his severance paperwork opting in to the Cobra until his last day. So it is likely that on paper for the first few days of November I will be uninsured.

I have a surgery scheduled on November 1st. We’ve been assured by HR that Cobra backdates, so I know that the surgery will be covered. My insurance is Kaiser, and I live in California. My concern/question is if I show up on the 1st, will they refuse to do the surgery because I am no longer a Kaiser member? I have this worry that they won’t be able to bill me the copay because I technically don’t have an active insurance and so they just won’t do the surgery. Doesn’t feel like the type of thing I can just say trust me, I’m still a Kaiser member.

submitted by /u/Accomplished-Fee4084
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