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| Pregnant and moving out of state. Is COBRA an option? |
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Q: My husband currently holds the health care for me, him, and our two young children and I am pregnant, (AETNA). If he leaves his job in NY and moves to another state, (FL), without a job, can we get COBRA? If yes, how much would it be?
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 up to 18 months. In certain circumstances, the employers must offer alternative coverage to qualified beneficiaries that will be moving outside their insurance coverage area. The employer must make the alternative coverage available before or on the date the beneficiary moves, or if it is later, than the first day of the month following the month you made the request to move and needed alternate coverage. Since your pregnancy is considered a preexisting condition, it would be difficult for you to get an individual insurance plan. COBRA is probably going to be your best option. The cost of your continuation is going to be 102% of the monthly premium. The past employer will be able to give you your account information.
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