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| I have an HMO/PPO and I am moving out of state |
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Q: I have an HMO plan with my employer. I’m moving to Texas from California. Will my COBRA monthly payments stay the same?
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. 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 on by 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. There may be an additional cost for the replacement of an HMO/PPO policy, you would need to find out the cost from your plan administrator.
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