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General COBRA Questions
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There were 277 questions found in this category:
How do I reach COBRA's customer service?
Q: What is the telephone number that I can contact customer service to inquiry. How much it would cost monthly for cobra insurance.A: COBRA is a federal law, it is not an insurance company. There is no phone number to contact them directly. This law requires an employer if there is more than 20 ...
How is the cost for COBRA determined when my employer is self-insured?
Q: If your employer has an insurance plan that is self-funded or self-insured. How is cobra costs determind when an employee leaves or is released of there position?A: The cost for COBRA can be determined two different ways. One way is the premium can be based on claim expenses from the previous ...
How long can my spouse stay on COBRA after I'm eligible for Medicare?
Q: I am considering retirement at 63 & 1/2 years of age. I understand that I would be covered under Cobra until at age 65 when Medicare kicks in. My question has to do with my wife, who would be 61 at the time I retire. Since Cobra seems to have a 36 month limit, would she be covered until she b ...
How long do I have to apply for COBRA?
Q: My husband lost his job 6-7 months ago and at the time we did not sign up for COBRA. I have recently had a heart attack and we had no insurance and my doctor stated we could still sign up for COBRA and it would be covered. Is this true?A: COBRA election does have certain time limitations. You ...
How long do I have to be on my employer’s health plan to be able to take advantage of COBRA?
Q: How long do I have to be on my employer’s health plan to be able to take advantage of COBRA?A: As long as you have obtained health insurance from your employer you are eligible for the continuation coverage. If you are a healthy person who does not live in NY, NJ, MA, or VT and would ...
How long do I have to make a decision to take Cobra after my last working day?
Q: If I retire from a company that offers Cobra, how long do I have to make a decision to take Cobra after my last working day?A: COBRA election does have certain time limitations. You have only 60 days to elect COBRA. That is by the 60th day from when the written notice was sent to you or from ...
How long do I have to sign up for COBRA?
Q: How long do I have to sign up for Cobra? I left my job Jan 07. I am needed insurance and do not know what/when I need to do something.A: COBRA election does have certain time limitations. You have only 60 days to elect COBRA. That is by the 60th day from when the written notice was sent to yo ...
How long does my COBRA coverage last?
Q: How long does my COBRA coverage last?A: Your length of coverage is determined by your qualifying event. 18 months: job termination(quit or got “let go”), reduction of working hours 36 months: death, divorce, legal separation, loss of child dependant status, and the entitlement ...
how to pay for medical treatment during COBRA election process
Q: How do I pay for treatment and prescription drugs while waiting for the invitation to elect COBRA (can take up to 45 days)? My service provider was informed that my group health coverage was terminated and now demands much higher prices for treatment and drugs, which I have to pay in order to ...
I am a US citizen living in Italy, do I qualify for COBRA?
Q: I am a US citizen and have been living and working in Rome, Italy for four-and-a-half years. I am a professor at The American University in Rome - a university that is incorporated both in Italy and in the U.S. I have multiple sclerosis. I am covered in Italy by a national health system; I ha ...
I am pregnant, what are my COBRA options?
Q: I am currently 12 weeks pregnant with a so far uncomplicated pregnancy. I need cobra for two more weeks until I start a new job and just need it just in case. I have no appointments scheduled and really would only need it for if something went wrong. We also just moved from Minnesota to Georg ...
I am pregnant,can I speed up the election process?
Q: I quit my job last month and just found out that I am pregnant. I would like to go to the doctor very soon, but will not receive the form in the mail for 3 or 4 more weeks. Is there a way I can apply for the Cobra insurance right now? And if I want to choose the Cobra alternative plan, will i ...
I am under cobra due to a divorce. When I remarry does COBRA end, or can I continue it for the duration of the time remaining?
Q: I am under COBRA due to a divorce. When I remarry does cobra end, or can I continue it for the duration of the time remaining? A: Yes. Divorce or Legal separation are triggering events that allow you to continue on the same group health plan offered by the employer. If you are coming off the ...
I am waiting on cobra paperwork and was wondering what my premium will be?
Q: I am waiting on cobra paperwork and was wondering what my premium will be?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 responsible for 10 ...
I do not have health insurance, am I still eligible for COBRA?
Q: My husband and I do not have health insurance, we been wihout health insurance for a year now and his health insurance at his job is so expensive. Are we able to get COBRA insurance, what are our options?A: COBRA election does have certain time limitations. You have only 60 days to elect COBR ...
I have an HMO/PPO and I am moving out of state
Q: I have an HMO plan with my employer. I’m moving to Texas from California. Will my COBRA monthly payments stay the same? A: If there are more than 20 employees at the job you are leaving, then that employer has to offer you a continuation of the same group health plan for duration of ...
I have been at my job less than a year, can I quailify for COBRA?
Q: Is there minimum length of employment required to qualify for COBRA? Let's say you were working for less than a year, can you still qualify upon termination?A: As long as you have obtained health insurance from your employer you are eligible for the continuation coverage. The length of employ ...
I have heard about COBRA election being under time restrictions. How long do I have to elect coverage?
Q: I have heard about COBRA election being under time restrictions. How long do I have to elect coverage?A: COBRA election does have certain time limitations. You have only 60 days to elect COBRA. That is by the 60th day from when the written notice was sent to you or from when your health care ...
I have heard that COBRA can last to 3 years, is that true?
Q: Has the law changed for Cobra coverage to last 3 years instead of 18 months? I don't have any extended reasons as noted on the website -- I just left my company. Please advise as I am hearing 18 months from some and 3 years fromn others. A: It is 18 months with a job termination (quit or got ...
I have insurance with my current employer, I will be moving to NJ and hope to elect COBRA. What are my options?
Q: I have health insurance with my current employer in NH until May 31st (when my current employment contract ends), and I am planning to continue that insurance through COBRA until around June 15th, when I move to NJ for my new job. I need health insurance to cover myself, my spouse, and my i ...
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