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In a health plan with multiple options, the health coverage that is considered to be in effect on
the day before the qualifying event is the option the employee previously selected. If the
employer offers participants a choice among indemnity coverage, PPO coverage, or HMO
coverage, and the qualified beneficiary elected HMO coverage for the plan year in progress at
the time of the qualifying event, the qualified beneficiary generally may not change to the
indemnity or PPO coverage at the time of the COBRA election. Even if the PPO and indemnity
coverages are separate plans, the qualified beneficiary did not have coverage under them at
the time of the qualifying event and cannot continue that coverage. At an annual enrollment
period occurring during the continuation period, however, the qualified beneficiary will be
entitled to switch options in the same manner as an active employee and could then elect the
PPO or indemnity coverage in place of the HMO coverage.
(Qualified beneficiaries' election
and enrollment rights are different in some circumstances, so ask about that if you are considering the rights of dependents rather than the ex-employee alone.)
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How can one obtain a quote for Cobra health plans?
COBRA health insurance plans are tailored to your individual needs and circumstances. Quotes can be obtained online directly at their website which also offers more in depth information about their services.
What exactly is cobra health insurance?
COBRA health insurance is for people who have health insurance under their job and then suddenly lose their job due to voluntary or involuntary circumstances. It requires you to pay more in premiums. Check out http://www.dol.gov/dol/topic/health-plans/cobra.htm
HIPAA protects individuals wanting to change health plans?
Hipaa promotes portability thus protecting individuals wanting to change health plans.
Which of these plans makes it possible for most people to continue group health coverage after they leave a job or are laid off?
---Answer--- COBRA ---
Does hipaa protect individuals wanting to change health plans?
Hipaa promotes portability thus protecting individuals wanting to change health plans.
What companies offer supplemental Medicare health insurance?
There are many agents that offer supplemental Medicare health insurance. They vary state by state. Some are Cobra Health Plans, Humana, Longevity Supplemental, and Netquote.com.
Does YOUR health insurance continue after you leave YOUR job?
People who leave their place of employment are entitled to continuing health care coverage through COBRA, if there are 20 or more people working at the company. COBRA will provide coverage from 18-36 months after you leave your job. http://www.dol.gov/dol/topic/health-plans/cobra.htm
Does COBRA health insurance work if you change states?
Is it HMO or PPO coverage? There's always HIPAA - see links. The Insurance Company must provide the same benefits and plans as before. So, would they have covered out of state if you were still an employee?
Where can you find consolidated health plans?
You can find consolidated health plans at Consolidated Health Plans. Consolidated Health Plans is a third party administrator of student health plans and self-funded employee benefit plans.
How long is normal cobra?
COBRA, or Consolidated Omnibus Budget Reconciliation Act, provides for employee paid extension of medical benefits for up to 18 months. For more specifics see: http://www.dol.gov/dol/topic/health-plans/cobra.htm
Are health plans health care providers?
No. Health plans are health insurance plans. Health care providers are made up of physicians, physican assistants, nurse practitioners, and such.
What is cobra insurance coverage?
COBRA insurance is for people who had medical insurance under their job and then just lost their job. You have to opt into it if your job offers that ability. You have to pay a larger premium to use the insurance. Everything you need is on; http://www.dol.gov/dol/topic/health-plans/cobra.htm
