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Can I still be covered by Cobra?
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Q:   I was laid off about 7 months ago and was offered by my employer the possibility of staying on the group health (I paid for it all) or going on COBRA.   Now I have gone through a divorce and am changing my insurance. Am I still qualified to receive COBRA?  Is my ex husband?

 

A:  COBRA is a federal law that requires an employer with more than 20 employees to offer continuation of group benefits to an employee when a qualifying event occurs that causes the employee and their dependents to lose the group health benefits.  The employee is responsible for paying the entire cost of COBRA.  Being laid-off is considered a qualifying event.  If you are currently on your previous employer’s group health plan and paying for the insurance you may already be receiving COBRA benefits.  If you ex-husband has his health insurance through your employer, he would be eligible for COBRA continuation too. 

 

 If you have lost your opportunity for insurance with your past employer and are looking for a short term medical policy you may qualify for an Alternative policy. Click Here for more information.

 

 


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