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General COBRA Questions
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There were 277 questions found in this category:
Student Health Plan ending
Q: My student family health plan is ending in August and is it possible to get COBRA coverage until my employer gets me coverage?A: COBRA covers group health plans offered by employers (private-sector or state/local government) that have more than 20 employees. Group health plans that are spons ...
Swithching from full time to full commissions employee
Q: My job recently offered me the option of switching from being a regular full-time employee to a per-diem or fee for service employee. If I choose to do so, I will no longer be eligible to receive health insurance through the company unless I pay for it in full. I am wondering whether I would ...
Temporary Coverage Between Jobs
Q: I am leaving a job on May 9th where I have coverage with Sagamore. I have a 90 waiting period before the insurance at my new job takes effect with United Health. I know I can carry COBRA thru my Sagamore with my old company but the coverage will cost $698.93 per month. Is there a less expensi ...
Terminating COBRA
Q: My finance will be added to my insurance with my Employer after we get married. How do we terminate the coverage with COBRA and what paperwork is needed to achieve this step?A: You can cancel your COBRA coverage when you obtain other insurance. You will need to notify your previous employer o ...
The amount of time employed before eligible for COBRA
Q: Does it matter how long you work for a company as to whether or not you'll be offered COBRA. Example, do you have to work a designated time amount for a company before resigning and then opting for COBRA?A: The amount of time that you are employed does not factor into the eligibility for COB ...
The company lets you go and never sends a notification for Cobra?
Q: What if the company lets you go and never sends a notification for Cobra?A: First you must identify if the employer is legally responsible for offering you COBRA. Most employers that do offer group health plans are required to comply with COBRA. Here is a list of those employers who do not h ...
The difference between COBRA and FMLA
Q: I am currently covered under my companies group healthplan, which is not COBRA. I am intenting on leaving in about 2 months and will have about a 2-3 month period of no coverage. My company offers COBRA, how soon do I need to sign up for it before leaving, and will is cover my pre-existing co ...
The Military and COBRA
A: I am retired Army....my son's insurance coverage under my military insurance will terminate on his 23rd birthday as he has been a student in college. He is not yet employed. Will my son be eligible for "Cobra" insurance? Q: Federal employees and their dependents are covered under a similar la ...
Travel Outside US
Q: What coverage does COBRA offer if I travel outside the US?A: COBRA is a federal law and applies regardless of residency. But, you have to check with the insurance carrier to see if that policy is able to be extended for travel outside the US. We do offer international travel insurance. For mo ...
Traveling outside U.S. and coverage.
Q: I am travelling to Europe and South Africa this summer. Will I still be covered on these trips? A: If you are planning on traveling outside the United States, you are going to have to contact your insurance company to find out if the coverage you have will help you over seas. If not you can v ...
We received no notification of Cobra plan costs and the Enrollment period has expired, benefits have been denied. What can be done?
Q: We received no notification of Cobra plan costs and the Enrollment period has expired, benefits have been denied. What can be done?A: Your past employer or the plan administrator should have sent to you in the mail an election form with an attached COBRA premium payment option. You then have ...
What are my options and cost?
Q: Due to chronic back pain I would like to either go part time or retire early. I carry the health insurance for both my husband and myself. Can I get COBRA for both of us for 18 months? Then we will be able to get insurance through my husbands National Guard retirement. What are my options and ...
What are the differences in coverage with COBRA and Cal-COBRA?
Q: What are the differences in coverage with COBRA and Cal-COBRA?A: You should have the same benefits as other employee's that are covered under the same plan. You are eligible for open enrollment choices, and you are eligible for other health plan changes that the employer makes. Both plans do ...
What are the qualifying events for COBRA?
Q: What are the qualifying events for COBRA?A: These events apply to the covered employee and their dependants that are covered under the policy 1. Voluntary or involuntary termination of employment (unless due to gross misconduct) 2. Your working hours have been reducedThese events apply t ...
What can I do if I have a pre-existing condition?
Q: I am leaving one school system to go to another, so will go off one system and then be picked up by another. What is my best course of action? especially if I have pre-existing care that might pop back up with the next systems insurance? thanks. A: If you elect COBRA you are actually continu ...
What do I do if I have a pre-existing condition and my past employer only has 8-10 people employed? What are my options?
Q: My girlfriend has lost her position as office manager and chose to leave that office. She is going to have an operation on her lower back in about 10 days or so. It is a small office 8 - 10 people. What can she do for coverage? Her operation could keep her off for about 6 weeks with follow-u ...
What do i do if my employer has not sent me any COBRA information.
Q: I was terminated from my job on March 23rd of this year. I haven't heard anything nor have I received a notice. I don't know who to get in touch with. I tried e mailing the company but haven't gotten a reply. The company owns numerous apt. complexes in the southeast so I'm pretty sure they ...
What does "Gross Misconduct" Mean?
Although illegal or dangerous acts committed in the workplace are likely to qualify as gross misconduct, the acts need not be criminal or otherwise unlawful in nature. In some instances, even acts that occur away from the workplace have qualified as gross misconduct. A definition widely used by ...
What does COBRA cover?
Q: What exactly does COBRA cover?A: COBRA is a continuation of your previous employer's group health policy. COBRA continuation must provide you with the same coverages, same benefits that you had when you were employed.
What does COBRA do?
Q: What does COBRA do? A: COBRA provides certain former employees, retirees, spouses, former spouses, and dependent children the right to temporarily continue their health coverage at group rates. This coverage, however, is only available when coverage is lost due to certain specific events. Gr ...
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