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|General COBRA Questions
There were 277 questions found in this category:
Most Common COBRA Questions are answered here
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- adding dependant
My son was born 4-13-2007 and I need to add him to my policy. I have called to 800 numbers and can not get to talk with a live representative. Any help I would appreciate. Thank youA: If you need to add a new dependent to your insurance policy, you should contact the insurance company directly. ...
- Can I get a certificate of credible coverage when under COBRA coverage?
Q: Can I get a certificate of credible coverage when under COBRA coverage? A: Yes. You are able to get a certificate of coverage when you first are eligible for COBRA, when you lose coverage with your group health plan at anytime, or when you terminate COBRA coverage, whether by choice or bec ...
- Which of the 50 states are covered with the cobra insurance? And how difficult is it to find a doctor willing to take cobra???
Q: Which of the 50 states are covered with the cobra insurance? And how difficult is it to find a doctor willing to take cobra??? A: COBRA is not an insurance company, it is the name of a Federal law. COBRA is a federal law (meaning any United States citizen in every State), that allows a pers ...
- Who do I send my premiums to?
Q: I sent my first premium, but cannot find my paperwork. Where do I send my premium to? A: Since COBRA is a continuation of the past employers group health plan, all of your questions should be answered by the employer. The past employer may have hired a third party administrator to send you t ...
- A payment check was lost in the mail. What rights do I have to not be terminated?
Q: A payment check was lost in the mail. What rights do I have to not be terminated?A: A payment should be accepted by the employer if it was received in a timely manner. A payment is considered "timely" if it is made with in the 30 days from the due date. A common law "mailbox rule" can also ...
- Added Child but payment was not accepted
Q: I elected COBRA and pay all the premiums for my wife who was pregnant. I elected, spouse only and then when the child was born, I informed the provider to add the child within the 30 days required. They sent supplemental coupons. I paid the prorated amount to add the child and the payment wa ...
- Am I eligible for COBRA if my employer has less than 20 employees?
Q: ARE EMPLOYERS ABLE TO OFFER EMPLOYEES COBRA IF THE HAVE LESS THAN 20 EMPLOYEES? OR ARE THEY NOT ALLOWED TO?A: If the company has less than 20 employees they are not subject to the federal law and they do not have to offer you a continuation of their group health plan. What you will want to do ...
- Applied for Cobra, but no payments have gone through
Q: On April 23rd I mailed my Publix Cobra Information but have never received documents or have had payments taken from my account. My grandfather has control of my bank account so it was only a day ago that I was informed of the lack of Cobra Insurance Payments. I need to know if I missed the ...
- Are there premium caps on COBRA?
Q: My client has inquired about an annual 3% premium rate cap for cobra . Everything I'm reading tells me there wouldn't be any type of premium cap enforced because the cost of healthcare continues to increase where naturally the premium for cobra would increase if the group health plan premium ...
- Are we eligible for COBRA if we are still employed?
A: My husbands company pays for our family insurance. His insurance is the primary and pays 80% - my insurance through the state is our secondary and pays most of the remaining balances. My husbands company is going to drop the current insurance and is looking for a cheaper insurance company and ...
- Assumed lapse in coverage
Q: How can I be forced to pay premiums for the time lapsed between recieving COBRA registration info when I was never notified that it would be retroactive from the cut off date? A whole months very expensive premium not knowing I could have been using it? A: COBRA is the name of a Federal Law. ...
- CAL Cobra
Q: My 18 month Cobra coverage through my employer will terminate next month. I am a California resident but am covered by Blue Shield of Florida. I would like to sign up with California Cobra, but according to Blue Shield of CA's Cal Cobra Group, I am not eligible because Blue Shield of Florida ...
- Can a Medicare eligible, disabled dependent elect COBRA?
Q: My wife is permanently disabled and eligible for Medicare, but declined Medicare in favor of my group health insurance. I've been laid off and have to go on COBRA. Can my wife go on COBRA with me, or must she take Medicare?A: As long as your wife is not receiving an income or beneifts from ...
- Can I apply for just COBRA dental?
Q: I am going to be employed with a company that offers full company paid medical insurance. The only problem is that they do not offer a dental plan. Can I get only dental plan thru COBRA? Or does it have to be both dental and medical? A: You will be allowed to choose any or all of the coverag ...
- Can I be denied insurance coverage after I have exhaused my COBRA? If I have a preexisting medical condition can the HIPPA law help me?
Q: I need help with HIPAA: When I retired I did not know that I could not get an individual health insurance plan because of my weight. I am now getting my health insurance through the 18 month COBRA insurance from my previous employer. My insurance runs out in February 2008 and I do not turn ...
- Can I cancel my COBRA coverage?
Q: I have recently quit my current job and have received my cobra paperwork. Since I have a pre-exsiting condition I need to continue my insurance through my previous employer until I pass my 60 days with my new employer. My question is after my 60 days when I am then able to receive insurance f ...
- Can I continue COBRA for my child only?
Q: I left my old company on June 29th started with my new company on July 2nd I am leaving them to accept a new job that fits my needs. I would like to get cobra for just my 4mnth old daughter how can I do that.A As long as your child was on the policy before you left your old job, the child wi ...
- Can I continue COBRA when I move and my wife is pregnant?
Q: I have a question regarding COBRA coverage.I work for company a in Michigan, and if I leave this company and move to IL, then would I be covered and if my wife is pregnant will she be covered. If I am taking job in IL would I be covered for out of state benefit or IL would be considered as i ...
- Can I continue the COBRA dental when I'm entitled to Medicare?
Q: If I am enrolled in Medical and Dental Benefits under COBRA and later become entitled to Medicare I know that I must drop my medical coverage under COBRA, but can I retain my dental coverage under COBRA? A: Once an employee is entitled to Medicare they are no longer allowed to continue on the ...
- Can I enroll before I receive the COBRA Packet?
Q: Do I have to wait until my employer sends information about cobra coverage, or can I enroll online? Does the 45 days begin after separation?A: Your previous employer is required under COBRA federal law to mail you the COBRA packet with in 45 days from your last day of work or the last day of ...