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Q: I am looking to move my mother out of state. What options does she have to COBRA her health insurance...would she be eligible for COBRA through her employer if she were to quit and would she be able to carry it to another state? If this is not an option would she be able to purchase through COBRA on her own? She does have a pre-existing heart condition.
A: If there are more than 20 employees at the job your mom is leaving, then that employer has to offer her, 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.
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