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Q:  My husband was terminated and our medical/dental coverage was through his employer. The same coverage through my employer costs $200 more per month than what COBRA would cost us. However, we received a letter from the insurance company saying we cannot go through COBRA if he qualifies for coverage under a spouse's plan.  Is this true, can they deny us COBRA and force us to take the more expensive option under my employer? Plus, what happens if I do not opt for coverage through my employer within 30 days of the qualifying event, can we get COBRA? Thank you

A:  You are still eligible for Cobra, you are just not eligible for the reduction in the cost due to the fact that you have the option of your employers insurance.  Cobra should still be an option to him, if the two of you were on his group plan through that employer you both should be able to continue on Cobra paying 102% of the cost, you are responsible for the portion the employer paid, the part you were paying and a 2% administration cost.  I recommend you speak with the HR department of your husbands past employer to verify this information.