I can’t remember my search keywords when I tried to figure this out, but it works like this.

I was in an accident at the end of 08/2007.

My company closed and my insurance ended at the end of 10/2007.

I got a new job in 11/2007 but my insurance didn’t start until 12/2007.

In 11/2007, when I was between insurance coverage I had a couple of follow up vists for the injuries from 08/2007. I explained this to someone at the WA state insurance hotline and they confirmed that that period is uncovered despite it in follow-up to a recent accident. The possible exception would be a single hospital stay that started in a coverage period and ended in a non-coverage period might be considered one stay and therefore covered because of the start date.