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  1. If my wife and I are getting a divorce, am I eligible to continue on her group health plan and for how long?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...

  2. If my husband retires and is eligible for Medicare am I still allowed to get medical coverage?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...

  3. Who is responsible for sending me COBRA information?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...

  4. If I have preexisting health conditions can I still elect COBRA?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...

  5. What is Cal-COBRA?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...

  6. What are the qualifying events for COBRA?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 ...

  7. How long does my COBRA coverage last?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 ...

  8. What are the differences in coverage with COBRA and Cal-COBRA?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...

  9. When I elect COBRA coverage, are my dental and vision plans included?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...

  10. Who is not eligible for COBRA?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...

  11. Can my dependent have both COBRA coverage and coverage with a different group health plan?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 ...

  12. If my wife has continuing insurance with COBRA and her employers group health plan, which plan is primarily responsible for her medical claims?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 ...

  13. My past employer has terminated my COBRA coverage.  When are they allowed to do that?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...

  14. What is considered a preexisting condition?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.

  15. When I get my paper work in the mail, can I elect coverage for only myself and not my dependents?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...

  16. I have heard about COBRA election being under time restrictions. How long do I have to elect coverage?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. ...

  17. Where do I get COBRA election form?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 ...

  18. How do I file a COBRA claim for benefits?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...

  19. How can I check out which Physicians are in your Network?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,...

  20. I need cobra coverage-going throu a divorce-huband was firedI 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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