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A 50 year old man with dental and medical coverage through his employer
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∙ 8y ago
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How can you continue getting insurance coverage for the pre-existing condition of terminal cancer after a divorce if the policy is in your husband's name?
the first way to do this is to obtain COBRA coverage. When your divorce became final, your ex-spouse was able to drop your coverage. Federal law is that all insureds can continue coverage with COBRA. Your insurance company or ex-spouse's employer should have sent you paperwork explaining what your rights are. But be aware, with COBRA, you are paying the full premium for the continued coverage.
When would you be able to get Cobra health insurance coverage?
The Cobra health insurance temporarily extends the coverage by your sponsor or employer. This implies that you can get it after a loss of a job or loss of benefits.
Can an employer cancel your health insurance without offering you a cobra plan in Texas?
Yes, there are several different circumstances where this could happen. If the employer has discontinued the plan entirely, then there is no COBRA coverage to be offered. If the company has fewer than 20 employees, the plan does not have to offer COBRA coverage. If the company is a church, it is not required to offer COBRA. Last, if you were fired from the job for gross misconduct, the employer does not have to offer you COBRA coverage.
What is Cobra Health Insurance?
COBRA health insurance provides former employees of the company with health coverage. More information on Cobra Health Insurance can be found at the cobra government webpage.
What medical insurance options are there for children after the death of a working parent?
If the child and/or the estate has the funds to pay for the coverage the child can apply for individual coverage or take Cobra coverage. Even though the employee has passed any other family members on the plan at the time are eligible for Cobra coverage.
Where can one find information about COBRA coverage?
There are many companies and websites that offer information on COBRA life insurance coverage. The most reliable website to use for information is the US Department of Labor.
Have colon cancer, getting chemo and employer dropped insurance coverage and COBRA is $700/month.?
“Have colon cancer, getting chemo and employer dropped insurance coverage and COBRA is $700/month.”
If I have primary insurance through my work and had secondary through my husband's work but he was laid off can I still use Cobra as a secondary insurance or is Cobra only if you have no insurance?
That would depend on if your spouse's coverage is group or individual coverage. If it is group coverage offered by your spouse's employer then NO. Cobra regulations specifically say that you are not eligible if you have other employer sponsored group coverage with one exception. That is if the other coverage includes any pre-exisitng conditions clause that would deny you coverage for that illness/injury. If you have no pre-existing conditions or the pre-ex caluse does not relate to you (ie. pregnancy is a pre-ex but you are not pregnant) then you are not eligible. If the spouse's coverage is individual coverage and not group you are still eligible for Cobra.
Where can one buy a Cobra Extension?
A COBRA Extension is not something that one can purchase. COBRA is a type of health coverage and an extension is something that is allowed in particular cases where there has been a death of the covered employee or a divorce from a covered employee in which case an extension of 18 months of coverage will be allowed.
How could the subject of cobra medical coverage be turned into a great question for this job?
Cobra medical coverage is very important currently due to the large numbers of people that are unemployed and have no active source of medical insurance.
Does the employer pays the premium for the COBRA coverage?
No, when Cobra goes into effect, the (former) employee pays the entire portion of the premium. Although possibly very expensive, the coverage is guaranteed and possibly at better rates than going out to buy individual coverage since it is a group plan.
What type of coverage does Cobra Insurance offer?
Cobra is the health insurance taken by an individual to replace his employer subsidized health insurance while shifting between two jobs, in order to maintain his status of continuous coverage.
