Q:Is COBRA a continuation of your previous health care provider, as far as co-payment and deductibles are concerned?I have not received anything in the mail yet and it has been about 50 days since I lost my coverage, and 2 weeks since I turned in my COBRA election form, and I may need to see a doctor soon.
A: COBRA is a federal law that requires an employer to offer you continuation of their group health plan. COBRA continuation is the same coverages, same benefits that you had when you were employed. You will need to contact your previous employer for the status of your COBRA and for a copy of their Summary Plan Description of their group health benefits. This summary will provide you with all the details you need to know about your covered benefits.You can also call your insurance company; their phone number is on your ID card.The can tell you if your COBRA coverage has been activated and they will also give you information about your benefits.
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