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General COBRA Questions 
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There were 277 questions found in this category:
 Employer has less than 20 employees
Q: I am age 64 was caught off guard by a brain seizure and put on disability, a couple of years ago. My wife who is the same age has been working and I want her to retire and stay home and we will just have to see if we can find enough in the budget to survive for the next eleven months when sh ...
- Employer noncompliance
Q: Who do I contact being that I paid my previous employer for 2 months of continued coverage and they never reinstated my insurance benefits. They took my check for over $1100.00, cashed it, and I still have no insurance!!! Aren't there laws to protect us from this? Please help me! A: If your ...
- Employer sold business, new health plan offered
Q: The business sold & new buyer has offered new health plan. Does the employees have the option of electing cobra on the old plan or because they our offered a plan with a new carrier they don't qualify?A: Cobra is a continuation of a group health policy for an employee or their spouse and depe ...
- extend my coverage?
Q: Iam currently coved by cobra and I want to extend my coverage, how do I do that?A: There are only a few ways that a person would be able to extend their COBRA coverage. 1. If you are deemed legally disabled before or within the first 60 days of COBRA coverage, you are eligible for an addition ...
- Extended COBRA coverage rate increase
Q: My COBRA coverage is about to expire, I currently pay $998.38 a month. I asked for an extension in December because of my son’s disability. I was told yes they can extend it, but I will be charged a 50% rate increase, and my new rate would be $1,497.57. Is this legal?A: Yes. An extensi ...
- Extending coverage with COBRA
Q: I had health insurance through my empoyer. That coverage expired when my contract ended. I was told by my employer I could extend my coverage with COBRA but am unsure of how to find out more about that process or begin that process.A: Your employer is required by law to offer you the continu ...
- Exteneded Cobra Coverage for a disabled individual
Q: I have been told that an individual that is disabled is entitled to an additional 11 months of Cobra Coverage (totaling 29 months). Is this correct? Where is this documented as proof?A: The HIPPA law states that all qualified beneficiaries, not just the disabled person, have the right to cont ...
- former employer canceled insurance.no cobra
Q: I requested cobra from my former employer but he canceled my coverage. Do I have any rights in this or can he just cancel it? I live in MA. Thank you.A: There are many reasons why your existing COBRA coverage can be canceled. 1. If you contact your past employer to notify of termination.2. If ...
- former employer's responsibililty for COBRA
Q: I resigned from my job and I thought my former employer was to send Cobra information to me. Do they have anything to do with Cobra? Or am I on my own?A: COBRA is a continuation of your former employer's group health policy. Your employer has a total of 45 days from the qualifying event (la ...
- grace period
Q: If my cobra ins runs out April 30, I know I have a 30 day grace period to pay(to decide if I want to pay for the cobra). If I need to use the cobra before I elect to continue cobra in the 30 day period and I pay the premium in the month of May, will the coverage retro back to the date I nee ...
- Help, my COBRA payments are being made but my insurance is not valid! What do I do?
Q: I have health and dental insurance thru my company I work for. I also have coverage for my family. My son turned 23 and he had to be dropped October 2006. I got cobra for him starting with my 1st payment November 2006. I have been current and just paid the May 2007 payment. He is in Californ ...
- History of Breast Cancer
Q: I have a history of breast cancer. What if I still have not found a new job with medical coverage by the time the 18 months of Cobra is finished? Can I extend the Cobra? What are my options?A: There are only a few ways that a person would be able to extend their COBRA coverage. 1. If you are ...
- HIV & cobra
Q: I am currently employed right now in Florida but I'm quiting in May to move to NY. I have a pre-existing condition. Can I get coverage from Cobra even with this condition? How much will it be? Thanks. A: COBRA is a continuation of the same group health insurance that you had with your past e ...
- HIV and COBRA with a company that has less than 20 employees
Q: I am thinking of quiting my job. I am HIV+ and currently have an HMO coverage which includes perscription coverage. Two questions: 1) Can I still recieve Cobra? 2)Can cobra help me get insurance after cobra coverage ends? 3) My company is less than 20 people. Are my employers still required t ...
- How & when do I apply for COBRA?
Q: I have been diagnosed with a serious cancer and cannot work for the forseeable future. My employer has told me that they will have to terminate my employment within the next 30 days. I understand that Cobra may only be effective for 18 months. What steps must I take to extend this coverage to ...
- How can I check out which Physicians are in your Network?
Q: I am starting a new job and COBRA Health care will be provided. How can I check out which Physicians are in your Network?A: COBRA is the same plan that you had with your previous employer. So, the plan that you currently have should have a phone number on the ID card which you can call to get ...
- How do I apply for COBRA?
Q: If I leave my current employer my insurance coverage will remain until May 31st. I would like to get COBRA coverage as of June 1st. to not have any gaps in coverage. How would I go about getting it?A: If your employer has more than 20 employers they are required to provide you information reg ...
- How do I file a COBRA claim for benefits?
How do I file a COBRA claim for benefits? Health plan rules must explain how to obtain benefits and must include written procedures for processing claims. Claims procedures must be described in the Summary Plan Description. You should submit a claim for benefits in accordance with the plan's ...
- How do I find providers when I move to another state?
Q: I just moved from California to Minnesota. I have cobra insurance, I am looking for a doctor but I do not find one provided on the web page for this area. A: COBRA is the same plan that you had with your previous employer. So, the plan that you currently have should have a phone number on the ...
- How do I go about canceling my COBRA insurance?
Q: How do I go about canceling my COBRA insurance?A: There are many ways that you can go about canceling your existing COBRA coverage. 1. You can contact your past employer and you may have some paper work to fill out.2. If you fail to make an election during the election process.3. If you obta ...
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