My health benefits from my work expired on May 31st and shortly after I enrolled and paid for my COBRA benefits. However, my insurance is still showing as inactive. I have a surgery coming up on 6/10. The Doctors office told me that they would cancel my surgery if my COBRA isn't active by the end of today. However, I was under the impression that COBRA worked retroactively if enrolled active within 60 days of termination (5/28 for me). Shouldn't the Dr's office be able to proceed with the surgery and use my cobra benefits retroactively? I know for certain they accepted my plan benefits because they took the Aetna I'm getting COBRA for. Thanks.