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Q: I WAS RECENTLY FIRED BY A PREVIOUS EMPLOYER. THEY TELL ME THEY DON'T OFFER COBRA, THEY HAVE THEIR OWN INSURANCE PLAN THAT IF EXTENDED I WILL HAVE TO PAY 100%? HELP WHAT CAN I DO?
A: COBRA is the name of a federal law. COBRA contains provisions giving certain former employees, retirees, spouses and dependent children the right to temporarily continue their health coverage at group rates. Your employer is required by law to offer you the continuation of their group health policy for up to 18 months if there are more than 20 employees. You will need to request a COBRA packet from your employer, sometimes the HR dept or benefits manager. They will send you an election form in the mail (they have 45 days to send it) for you to complete. Once you complete this form and return it with in 60 days, your insurance will be retro-active to your last day of employment. You will not have any lapse or gap in coverage. If you have any further questions that you feel aren’t being answered by your previous employer contact the Department of Labor at 866-444-3272.
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