Using COBRA During Retirement
Can my mom, who is 62 and planning to retire, use COBRA insurance until she qualifies for Medicare at 65?
Retirees may use COBRA Insurance For 18 Months
Your mom would be eligible for COBRA continuation when she retires. Retirement is a qualifying event. When a qualified beneficiary retires from their job, the retired worker is entitled for up to 18 months of health insurance continuation, which is the maximum amount of time an employee can keep COBRA coverage.
Can My Dependents Continue COBRA When I Get Medicare?
If the employee retires and is entitled to Medicare on the same date, then their spouse or dependent would be eligible to continue on their group health plan for up to 36 months.
Medicare Information
Get more about Medicare to find the coverage that best suits your healthcare needs. Learn about your Medicare options.
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Alternatives to COBRA for Retirees
Still uncertain about continuing group health coverage for COBRA yet have a couple of years before you’re eligible for Medicare? There are alternatives to COBRA to consider. You have access to the following solutions:
- Join your spouse’s insurance plan: If your spouse continues to work and has access to their employer’s group health insurance, have them add you to their plan until you both decide to retire.
- Look into Medicaid: Individuals bringing in a low income, having minimal cash financial assets, and meeting additional criteria may be eligible for Medicaid.
- Sign up for marketplace coverage: Affordable Care Act (ACA) plans have no age restrictions, can be used for an extended period of time, and cover pre-existing conditions.
More information on ACA Plans. - Short-Term Medical Plans: Combining telehealth services and prescription discounts can provide temporary coverage.
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