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Most Common COBRA Questions are answered here
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There were 1120 questions found in this category:
 How much would my cobra be?
Q: I wanted to get an idea of what my cobra would cost~ Can you touch base with me? Thanks ~A: COBRA is offered to you by your employer. It is a continuation of the same group health plan that you were on. Since, you no longer work for that employer but still have their coverage; you will be re ...
- 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 ...
- Medicare and spouse-child
Q: My family is currently covered by COBRA. I am currently disabled and will be entitled to Medicare after my 29th month of disability. Can my husband and son still continue to be covered by COBRA once I am on Medicare? A: It depends; if the COBRA is through your previous employer and you 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 ...
- 11 month COBRA extension denied
Q: My COBRA coverage ends in January,2008. My Medicare coverage begins in October 2008. I am collecting Social Security disability. I requested the 11 month COBRA extension, but was denied because my award letter from Social Security was dated July 27,2006 and was not 60 days before or after my ...
- 11 month disability extension of COBRA
Q: What can be done to appeal a denial of an 11 month disability extension of COBRA due to the Determination Notice was dated 7/03/2007 and received on 9/17/2007 by plan administrator which was not within a 60 day requirement period of which there was no prior knowledge or notification of such ...
- 18 months is over, can i extend my coverage?
Q: I need coverage for 18 months for two people is there plan I can get? I am retired. I have cobra now that ends on Nov. 30 through my employer. A: The maximum amount of time an employee can continue on COBRA is 18 months. However, a dependent may be able to obtain another 18 months for a to ...
- 45 days, and no forms from company!
Q: The 45 days have lapsed and I have tried to contact my employer HR department, with no response. My wife has a health condition and we are concerned about a lapse in coverage making it difficult to get new coverage. We are running out of time..... What do we do?A: If your previous employer ha ...
- 59-65 gap coverage
Q: I am 59 yr old with some health issues. I plan to take COBRA coverage in March of 2008. What is the most affordable strategy for 59-65 (Medicare date)? How do I max out COBRA? A: The employee can continue on COBRA for a maximum of 18 months. If the employee becomes disabled before they ...
- 60 days to elect COBRA
Q: Is it the law that you have 60 days to elect COBRA? My employer says I only have 30.A: Under COBRA law, the employer must give you at least 60 days to elect COBRA from the date the election notice was received or from the date you lose the group health benefits which ever is later. If you t ...
- 9 MTHS PREGNANT
Q: I had left my previous employer in mid March! I am 9 months pregnant and went for a prenatal appt. today and was told that I was inactive. They will not see me any longer until I have proof of coverage. How can I get some kind of proof that I will have COBRA during the next few weeks of preg ...
- 90+ days and have not received COBRA Info Packet From Former Employer
Q: I resigned from my previous employer on 7/21/07. I had Dental Ins. with them and to date have not received any information re: COBRA (11/16/07) 4 months. I have started with a new job with new company but will not qualify for benefits until after 1 year. I had left a vm back in Aug to follo ...
- 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 ...
- about coverage
Q: I am a past employee at a company and was just offered Cobra. My premium is $319.31. My questions are; what are the co-payments for doctors and prescriptions and do I have to meet a deductable first? A: If you decide to sign up for COBRA, it will be the same continuation of coverage that y ...
- 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 ...
- adding a newborn to COBRA
Q: I would like to know how to add my newborn to our current cobra insurance. I just started cobra this month and my insurance holder said I would have to add our newborn son to our Cobra insurance. A: When your baby is born, you should contact your previous employer where you initially signed ...
- Adding coverage to COBRA
Q: I have Cobra through a job I had in Michigan, I have moved to another state and although my current job offers insurance, I want to continue my Cobra. Can I add some of the benefits I original refused to my plan. Like dental and eye. They where offered but I declined them and only took healt ...
- address change
Q: I moved and I don't know if the monthly bill is being sent to the right address, how do I find out if it is being sent to the right place?A: You should contact your previous employer's HR department or benefits manager to let them know that your address as changed. They may have a 3rd party ...
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