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General COBRA Questions 
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There were 277 questions found in this category:
 Check has not been cashed
Q: I recently sent a check in the mail (2 weeks ago) and it has not been cashed. Please tell me if you have my information on file. My employer refered Cobra to me. Also I was in the middle of doctor visits and testing when my benefits ran up. I sent my enrollment info and a check just after my ...
- Chemical dependency programs under COBRA
Q: I have a friend who was recently laid off from work and its starting to look like he may need some help with a drug abuse program. I would like to find out what cobra covers in these situations and what needs to be done to get him into a 28 day program.A: Generally, the continuation coverage ...
- 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 ...
- Cobra - Benefit Option change
Q: I need a clarification regarding a statement "if you elect continuation coverage, the coverage you are given must be identical to the coverage that is currently available under the plan to similarly situated active employees and their families - generally, this is a same coverage that you ha ...
- COBRA - Changing Plans
Q: My employer offers 4 different health plans and I am currently on the best and most expensive plan. If I elect COBRA, can I decide to change plans,.i.e. go to one of the cheaper plans? Or am I locked in to the plan I currently have?A: COBRA is a continuation of the same coverage, same polic ...
- Cobra after moving to another state from a non profit company
Q: Hi, my wife resigned and I hope she will get COBRA from her former employer. Her former insurance was xxxxx Benefit and Pension Funds; it's in the local NY area. I hope she will get COBRA from her former employer, despite than description of her benefits: “We are not an insurance compa ...
- COBRA and a newborn baby
Q: Will I be covered for my pregnancy on COBRA? Is there coverage for the newborn baby? A: The pregnancy would be covered if the group health policy had coverage for it at the time you applied for COBRA. A qualified beneficiary can add a newborn baby to their COBRA coverage. The newborn will be ...
- COBRA and FMLA (Family and Medical Leave Act)
Q: My husband is a full time employee for a company but due to a surgery has been placed on FMLA. His employer is now telling him that he will be placed on the COBRA plan. He was told he would be placed on cobra if he cannot return to work before his FMLA time is up. Can they do this to us?A: C ...
- Cobra and Medicare
Q: I have l large group cobra policy, and Medicare. Is Medicare secondary, as it was with the original policy and what if Cobra pays before Medicare, can they demand the money back from me? A: Once you are entitled to Medicare you are no longer allowed to continue on the employer’s group ...
- COBRA and Prescriptions
Q: With Cobra, will I be able to have prescription coverage through different pharmacies or will I have to continue to get my prescriptions where I go know?A: COBRA is a continuation of your previous employers' group health plan including prescription drugs. Since this is a continuation of the ...
- Cobra at age 65
Q: I just lost my job and in Feb. I turned 65 so I signed up for Medicare but at that time I was covered by my company group plan. My company agreed to pay 6 months of COBRA for me however I think I read where you can't be under COBRA if you are 65, is this correct? If so, what do I do for my ...
- COBRA benefits and how they apply to a University.
Q: If one is enrolled at a State University as a student, do COBRA guidelines apply? The student is not an employee of the institution. The student is enrolled in a group medical and dental plan at the University. Any information that you could provide would be very helpful.A: COBRA covers gro ...
- Cobra Claim forms
Q: Can I receive claim forms on-line, or only thru the mail. My Cobra took a while to kick in, and I had to pay for my Rx. I was told to obtain a claim form for those RX that my Cobra has not covered and I would be reimbursed retro. A: Since COBRA is not an insurance company; it is a Federal La ...
- COBRA costs
Q: I am getting a new job, just need to know the cost for a single person for three months?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 resp ...
- Cobra coverage / 60 days
Q: My daughter was employed this past year under a term contract with a local school district. Her health coverage ends on June 30 but she has been hired by the same district with a regular contract for next year hence she will resume health coverage on September 1. She has 62 days without cove ...
- COBRA Coverage and Disability
COBRA coverage and Disability The HIPPA law states that all qualified beneficiaries, not just the disabled person, have the right to continue with COBRA coverage and take advantage of the 11 month extension. In compliance with the COBRA law, it is possible to extend the 18 months of coverage to ...
- COBRA Coverage and Disability
Q: If an eligible dependent (spouse) was disabled at the time of COBRA enrollment and remains legally disabled, are they eligible for the 11 month extension? Or, does the rule only apply to the Employee (policy holder)? Does the "disability law" allow an extension for both the Employee and the ...
- Cobra coverage for ex-wife out of state
Q: I am going through a divorce in Texas and plan to move to Colorado following the divorce. I am presently covered under my husband's medical plan in Texas. Will COBRA follow me out of state to Colorado? I have been told many different things: 1. COBRA will not cover me out of state 2. If my hu ...
- COBRA coverage for pregnant spouse only
Q: My wife is pregnant and we do not have coverage through COBRA, yet. I want to just get her coverage. Is this possible? Do I need to let my former employee know that she is pregnant? A: COBRA is a federal law, which allows you to continue on your previous employer’s (if there is more t ...
- Cobra coverage in addition to other coverage
Q: I am leaving my current job to attend school. I will continue coverage with COBRA due to a pre-existing condition. Can I also have insurance with another company that will not cover my pre-existing condition?A: If you are comfortable with the health plan and coverage you have now, you can ch ...
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