[Don Plumley]

In theory, you could allow a policy to lapse, say the 1st of April, but on April 20 you have need for health care. Then you simply pay the bill before the reinstatement period expires, then submit the claim. Claims would be denied if you allow your coverage to lapse.

I'd write the check, put it in an envelope, and be ready to send...just in case.

But don't get penny-wise and pound-foolish. Lack of coverage has bankrupt many.