Cobra Insurance Protection

If you’re changing jobs, one of your first concerns might be maintaining your health care coverage. Under the Consolidated Omnibus Budget Reconciliation or COBRA Act, the federal government requires employers with 20 or more employees to provide healthcare coverage for up to 18 months after a person leaves the job.

 

Dependents are also included in the coverage. To continue receiving this group health insurance, you must inform your employer within 60 days. You continue to pay the full premium and administrative fees. If you do not qualify for COBRA, you may be able to convert your group policy to an individual policy.

 

There are also interim or short-term options that provide medical insurance on a temporary basis, usually a few months. You can only renew this coverage once. The short term policy provides coverage for hospitalization, services such as X-rays and laboratory test, intensive care and surgical needs.

 

Cobra Group Health Plans

The law generally covers group health plans maintained by employers with 20 or more employees in the prior year. It applies to plans in the private sector and those sponsored by state and local governments. The law does not, however, apply to plans sponsored by the Federal government and certain related organizations.

 

Under COBRA, a group health plan ordinarily is defined as a plan that provides medical benefits for the employer's own employees and their dependents through insurance or otherwise (such as a trust, health maintenance organization, self-funded pay-as-you-go basis, reimbursement or combination of these).

 

Medical benefits provided under the terms of the plan and available to COBRA beneficiaries may include:

• Inpatient and outpatient hospital care
• Physician care
• Surgery and other major medical benefits
• Prescription drugs
• Any other medical benefits, such as dental and vision care

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