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Q: I quit my job on 07/09/07. My insurance ended on 07/31/07. I have not yet received any information about continuing my coverage from my previous employer or insurance company. I understand it is a federal that this information is suppose to be sent out within 45 days of discontinued coverage. What can I do about this? I really need to have insurance coverage. I was employed by a baptist hospital.
A: First you must identify if the employer is legally responsible for offering you COBRA. Most employers that do offer group health plans are required to comply with COBRA. Here is a list of those employers who do not have to comply.
1. Government employers (they must comply with a similar law)
2. Churches or church controlled employers
3. Small business with less than 20 employees’
If your employer falls under the federal guidelines, than they are responsible for sending you notification of your COBRA rights and an election form in the mail. They legally have up to 45 day s to get that information to you. From that day you have 60 days to elect coverage. If the 45 days has past and you still have not received anything form the employer you need to contact them directly to get an explanation. If at that point, you do not get compliance you should contact the Department of Labor at 1-866-487-2365. If you are healthy and looking for a short term plan that is more affordable, there are other options out there.
Click Here for more information on affordable alternative health insurance plans.
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