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General COBRA Questions
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There were 2399 questions found in this category:
 Choosing Cobra?
Q: I am trying to decide if I need Cobra coverage. I lost my job in September. I need to have a follow up mammogram. Wouldn't this mammogram be considered a "pre-existing" condition and therefore only covered by Cobra as opposed to opting for a new health plan? A: It is your decision when dec ...
- Church
Q: Is this legislation applicable to religious organizations? A: Yes, if the church plan is defined as a group health plan, it would be subject to the ARRA.
- Church Organization and Cobra
Q: I will be leaving a church organization and will lose my health coverage. I will not qualify for an employer Cobra, but will I qualify for a Cobra alternative? A: You can definitely sign up for a Cobra alternative as long as you meet the requirements. If you would like a free quote on what ...
- church plans
Q: Do church plans who offer a benefit continuation that is like Cobra but technically not Cobra, would the subsidy apply? A: No. The plan must be subject to Cobra continuation coverage as defined in the ARRA. However, if the church plan is subject to state continuation it would qualify for t ...
- Church Termination
Q: I have been terminated from a professional position within a church organization (Music Director). It is a very large organization using a corporate/secular group health plan. Are ALL churches exempt from COBRA coverage? If so, what is the alternative (eg. State coverage) and where can we g ...
- CIGNA
Q: A friend was recently divorced by her husband who is employed by a museum run by the state of Illinois. She had been covered by his medical insurance, CIGNA. He has had her dropped from this insurance. She has major health issues and needs medical insurance quickly. Is she eligible for COBRA ...
- claims not paid
Q: Sent in claims from son's delivery, claims not paid. I had to pay out of pocket. A: We are not your COBRA provider; we offer information about the Federal COBRA law. If you signed up for COBRA through a previous employer your insurance carrier should be the same company as you had while w ...
- Cntinuation of Cobra
Q: Can I continue only the dental and optical coverage of Cobra? My new health insurance at my new job offers only medical, no dental or optical. Can I continue only these two? A: You will be allowed to choose any or all of the coverages that you had with your previous employer. On the election ...
- co pay costs with COBRA
Q: When going to a regular doctor visit, what is the co-pay with cobra?A: Since COBRA is a continuation of the same group health plan you had previously, your co-pay will be the same. COBRA is not the name of the insurance company, it is the name of the Federal law that allows you to continue c ...
- co-insurance
Q: What does it mean for co-insurance when I am looking at a quote? A: Co-insurance usually comes into play after you have satisfied your deductible. Then the insurance company shares the expenses with you wither 80/20 or 50/50. For example, you’ve met your deductible and you have a cla ...
- Co-insurance?
Q: What does 20% co-insurance, mean to me? A: 20% co-insurance means, the insurance company pays 80% you cover 20%. For example, a medical bill is $100.00, you have already met your deductible so now your expenses are subject to your co-insurance. There for the insurance company pays $80.00 ( ...
- Co-pay
Q: What is the co-pay for a doctor’s visit? A: If you have one of our short term medical plans, there are no co-pays. You have to satisfy the deductible for the insurance kicks in and you split the costs with your co-insurance. Our permanent plans have options of having co-pays but you ...
- Co-pay
Q: Do these plans have different co pays for routine office visits or for minor problems? If so, what are they? A: If you are referring to the alternative plans on CobraInsurance.com there are no co pays with those plans. It would go by deductible and coinsurance. I would be more than happy t ...
- Co-Payments
Q: How much is the copayments per visit in the doctor office, specialist, hospitalization.A: If you sign up for COBRA through your previous employer your co-pays and deductible on your plan are all the same as they were while working there. If you are looking at one of our COBRA alterntive plans ...
- COBRA
Q: How long after your termination does the employer have before they must provide you with COBRA information? A: Your employer (assuming they have more than 20 employees) has a total of 45 days from the qualifying event to get your COBRA notification to you. From the date that you get your n ...
- COBRA
Q: I have just retired from my job. My husband & I are on cobra from MY work, I can get cheaper insurance. I would like to get off Cobra and leave my husband on just for a month, until he qualifies for a private insurance. My boss says NO If I quit cobra so must he. A: You are correct; your ...
- Cobra
Q: In the event an employer decides to cancel health insurance benefits without laying off an employee, is that employee (and family) eligible for COBRA benefits? A: If an employer cancels the whole group plan for the company, then COBRA would not be an option. If the benefits were just cance ...
- cobra
Q: AFTER MY COBRA INSURANCE FINISH,CAN I HAVE COBRA COVERAGE FROM MY SPOUSE EMPLOYERA: Cobra is a federal law allowing you to continue your group health insurance through your previous employer. If your spouse is already on Cobra, then you wouldn't be able to add yourself on that. If your spouse ...
- cobra
Q: Where does cobra not apply? Who should be investigating the COBRA insurance?A: Cobra is a federal law that allows you to continue your group health insurance (on your own) through your previous employer. If there are at least 20 employees, then it is mandatory they offer the Cobra packet for ...
- COBRA
Q: If a person loses job because company goes out of business will employees be able to obtain continued health insurance under COBR law with another insurance company. Will they be eligible for help with payment under the new bill which will be signed by the president. A: We are Cobrainsurance. ...
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