I have a question that I'm struggling to find the answer for on the internets and am hoping there is someone that can point me in the right direction. I've been covered through COBRA since I quit my job about a year ago. I recently accepted a full-time position again with benefits. My start date is Feb. 3. Everything has been taken care of, I've made my new elections, have medical coverage through my employer. I'm technically covered since Feb 3. Earlier this week I called to cancel my COBRA coverage. There wasn't any place for me to do it through the website. They told me to send an email to a certain address stating some personal information, what coverage I want cancelled (everything, in my case) and the effective date. (an email to cancel coverage? Amateur hour....) Here is what has me flustered - I can only drop coverage on the last day of the month. I've been covered for all but the first two days of February, but I have to pay for the full month through COBRA. I also have to pay for 27 days of February through my new employer. I'm irked that I have to pay for double coverage. Doing so is going to cost me an extra $300. Can I demand that my previous coverage pay me back to Feb. 3? Or at least refund me for the days between my email cancellation and the end of the month? Do I have any recourse?