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Q: My current health insurance is being carried by my employer. The insurance is being cancelled 03/31/2009. Am I eligible for the Cobra insurance program? I will be eligible for Medicare in December 2009 so this will be short term.
A: You can continue your same exact coverage through your previous employer with COBRA. 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.
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