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General COBRA Questions 
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There were 277 questions found in this category:
 dental i.d. card
Q: What ID card do I use? I had Humana Dental insurance. Do I use their card?A: If you are making your COBRA payments, then you will be continuing the same insurance that you had with Humana. You should be able to use the same card prior to the termination of coverage. You could also call Humana ...
- Dependent Cobra Coverage, when employee is entitled to Medicare
Q: I am 66 years old and have full medicare coverage, as well as, company insurance where I work. My wife is only 64 years old and not on medicare but is included on my company insurance. I plan to retire in 2 weeks and have requested Cobra Insurance for my wife. I do not want to keep Cobra as I ...
- Dependents and Medicare
Q: I was laid off but have medicare canI take cobra for my wife and 19 year old daughter who is a full-time college student? I was told that I would need to take cobra also.A: Once you are entitled to Medicare you are no longer allowed to continue on the employer’s group health plan throug ...
- Disability Extension - Which plans are eligible to continue?
Q: If someone is eligible for the 11-month disability extension, which plans can they continue? I know they can continue their Medical plan, but does the 11-month extension also apply to Dental and Vision?A: Yes, all the benefits that you have received through COBRA continuation can be extended ...
- Do I get coupons to pay for COBRA?
Q: Is the COBRA plan administrator obligated by law to issue a monthly coupon? A: Your previous employer or plan administrator is not required by COBRA law to provide you with coupons or a monthly statement. It is your responsibility to pay for the COBRA continuation and to make sure it is paid ...
- Do I have to let Cobra lapse before I can be written by another Ins. company?
Q: I was recently told that I must let my COBRA insurance lapse before I can be written by this company. That does not make any sense to me. It means that I now have a lapse in my insurance coverage which probably means higher rates. Is this information correct? A: Only if the new employer's g ...
- Do I have to take a physical examination for COBRA?
Q: Do I have to take a physical examination before I can get COBRA? A: Your employer's plan can not make you take an exam before they enroll you in COBRA. Also they can not deny you or exclude you from coverage based on your health.
- Do you have to accept the entire COBRA package?
Q: After termination of your employment, do you have to accept all of insurance benefits (Health, Dental & Vision) under COBRA? Currently my entire family my spouce and two children are on my health plan at work. Am I allowed just to accept the health insurance only for my husband and I, and not ...
- doemstic partners and COBRA
Q: Are unmarried domestic partners eligible for COBRA coverage if they are covered under a group health insurance plan? Thank you. A: . Domestic partners are NOT defined as a Qualified Beneficiary under COBRA law. So, employers do not have to offer COBRA continuation to an employee's domestic pa ...
- Does a FMLA leave qualify me for COBRA?
Q: Does a FMLA leave qualify me for COBRA? A: The notice of a leave taken under the FMLA does not constitute as a qualifying event for COBRA, unless the employee fails to return to work at the end of the FMLA leave. During a FMLA leave, employees are entitled to the same level and coverage of h ...
- Does an employee qualify for COBRA if still employed?
Q: My father works for a company with less than 20 employees. He found out last week that he has cancer and would be out on disability for a few months. When he notified his employer, they told him he had 3 days to come up with the $660 that is needed to keep up his health insurance with COBRA. ...
- Does COBRA cover prescriptions?
Q: Does COBRA cover prescriptions?A: COBRA is a continuation of the same insurance you had the day before the qualifying event. If your group health plan covered prescriptions before, than under the COBRA law, it will also be covered. If you are a healthy person who does not live in NY, ...
- Does COBRA coverage pregnancy?
Q: My question is that my wife is currently pregnant will we be covered under COBRA or is that a preexisting condition not covered? What if I find a job before the baby is born, but my new employer does not cover for 6 months, will I continue to use COBRA until my employee covers us? A: COBRA i ...
- Does my employer have to honor the same dedutible while under COBRA?
Q: I belonged to a private sector plan, was terminated and picked up my cobra option. Does my former employer have to honor their contribution of $2000 to the deductible, which was part of the plan?A: Generally, COBRA is a continuation of the same group health insurance that you had the day bef ...
- Does my employer have to offer COBRA or can they offer a state issued plan instead?
Q: I recently left my job for a better job. My new employer tells me that they forgot to tell me there is a 90 day waiting period with their insurance. My old employer tells me that they do not offer cobra. They do offer a Tenn. continuation plan. With the new laws if we wait the 90 days even t ...
- dropping cobra
Q: I currently have COBRA, if I want to drop it and go to a different policy can I do that, or do I have to wait the full 18 months?A: You can cancel your COBRA coverage when you obtain other insurance. You will need to notify your previous employer or the plan administrator in writing that you ...
- Duration
Q: My cousin got laid off from her job December 2005 - She still has Cobra. How long can she stay with Cobra. She thinks it is 18 months. Is this true? Or can she have it for longer than 18 months? A: It is 18 months with a job termination (quit or got "let go") or a reduction of working hours ...
- educational leave
Q: Hi, I'm leaving my current job to take a 3-month educational leave. Basically, I've received a small grant to help me finish my dissertation, but if I fall below 30 hours, my insurance coverage cancels. Can COBRA help me fill the gap? Also, if I choose not to return to full-time employment ...
- Employer failed to notify of insurance termination
Q: I was divorced in October of 2006. My wife’s employer failed to notify me of a termination in coverage. I was insured up until last month buying prescriptions etc without my knowledge, and then they retroactively canceled my insurance back till 2006 and sent me an UNCERTIFIED letter fo ...
- Employer Falsified documents
Q: Former employer has falsified the date of employment and termination on COBRA insurance letter. Is there any legal action that I can take against them? A: The US Department of Labor regulates the COBRA laws. They will be able to assist you with any problems you have with your former employer. ...
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