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If my wife and I are getting a divorce, am I eligible to continue on her group health plan and for how long?
Q: If my wife and I are getting a divorce, am I eligible to continue on her group health plan and for how long?
A: Yes. Divorce is a qualifying event. You, as a dependant, are able to se...
If my husband retires and is eligible for Medicare am I still allowed to get medical coverage?
Q: If my husband retires and is eligible for Medicare am I still allowed to get medical coverage?
A: Being entitled for Medicare is a qualifying event. If your husband elects Medicare and c...
Who is responsible for sending me COBRA information?
Q: Who is responsible for sending me COBRA information?
A: Your past employer is responsible for making sure that you receive your COBRA paperwork. That employer may hire an outside part...
If I have preexisting health conditions can I still elect COBRA?
Q: If I have preexisting health conditions can I still elect COBRA?
A: Yes. COBRA is a continuation of the same group health insurance that you had with your past employer. If those hea...
What is Cal-COBRA?
Q: What is Cal-COBRA?
A: Cal-COBRA is a law issued by the State of California that is like the Federal law COBRA. Cal-COBRA applies to companies that have between 2 and 19 employees. It will a...
What are the qualifying events for COBRA?
Q: What are the qualifying events for COBRA? A: These events apply to the covered employee and their dependants that are covered under the policy ...
How long does my COBRA coverage last?
Q: How long does my COBRA coverage last? A: Your length of coverage is determined by your qualifying event.
18 months: job termination(quit or got “let go”), reduction of working ...
What are the differences in coverage with COBRA and Cal-COBRA?
Q: What are the differences in coverage with COBRA and Cal-COBRA? A: You should have the same benefits as other employee's that are covered under the same plan. You are eligible for open enrollme...
When I elect COBRA coverage, are my dental and vision plans included?
Q: When I elect COBRA coverage, are my dental and vision plans included? A: Yes. The COBRA law allows you and your beneficiaries to continue on the exact same coverage that you had with the group...
Who is not eligible for COBRA?
Q: Who is not eligible for COBRA? A: Any person who was eligible for the group health plan and declined coverage and any non-resident aliens who do not earn U.S. income. Most employers that do off...
Can my dependent have both COBRA coverage and coverage with a different group health plan?
Q: Can my dependent have both COBRA coverage and coverage with a different group health plan?
A: Yes. Only if the new employer's group health plan has a pre-existing exclusion. (meaning that your ...
If my wife has continuing insurance with COBRA and her employers group health plan, which plan is primarily responsible for her medical claims?
Q: If my wife has continuing insurance with COBRA and her employer's group health plan, which plan is primarily responsible for her medical claims? A: Generally, the COBRA coverage is not limited ...
My past employer has terminated my COBRA coverage. When are they allowed to do that?
Q: My past employer has terminated my COBRA coverage. When are they allowed to do that? A: If you are a qualified beneficiary, you can be terminated from your COBRA insurance if: 1. You do no...
What is considered a preexisting condition?
Q: What is considered a preexisting condition? A: It is a medical condition that you have had, prior to the date that you enroll with a new health plan.
When I get my paper work in the mail, can I elect coverage for only myself and not my dependents?
Q: When I get my paper work in the mail, can I elect coverage for only myself and not my dependents? A: Yes. When you get the election form in the mail, you can choose your benificiary coverage. You...
I have heard about COBRA election being under time restrictions. How long do I have to elect coverage?
Q: I have heard about COBRA election being under time restrictions. How long do I have to elect coverage? A: COBRA election does have certain time limitations. You have only 60 days to elect COBRA. ...
Where do I get COBRA election form?
Q: Where do I get the COBRA election form to complete. My employer says I need to send in soon. A: The form should have been given/sent to you by your employer (HR). Your employer may have hired an ...
How do I file a COBRA claim for benefits?
How do I file a COBRA claim for benefits?
Health plan rules must explain how to obtain benefits and must include written procedures for processing claims. Claims procedures must be described in t...
How can I check out which Physicians are in your Network?
Q: I am starting a new job and COBRA Health care will be provided. How can I check out which Physicians are in your Network? A: COBRA is the same plan that you had with your previous employer. So,...
I need cobra coverage-going throu a divorce-huband was fired
Q: I need to be covered by insurance through Cobra. My husband was fired by his family business and now works under the table and collects unemployment. Am I entitled to coverage. We have been separat...
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