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Q: I am on an 11 month extension with cobra. I declined Medicare so that my husband and son could continue to be covered. When I declined medicare A & B Medicare only cancelled part B not part A because they claimed it was free. Do I need to also cancel part A to not disqualify my cobra benefits? Also I do later go on Medicare can my family still stay on cobra?
A: If you are covered by both Medicare and a group health plan (and the plan’s rules allow such coverage) and a qualifying event occurs, then you may have the right to elect COBRA continuation coverage with respect to your group health coverage for the maximum period of coverage available. Becoming covered by Medicare at any time after election of COBRA continuation coverage will generally cause your COBRA continuation coverage to end. However, if you are the covered employee, and your COBRA continuation coverage ends because you become covered by Medicare, then the COBRA continuation coverage of your family members may be extended for up to a total of 36 months.
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