I found a website that answers this question. www.dmc.gov. It says that as long as the company that you work for has at least 20 employees and you are enrolled in the health plan you have the federal right to at least 18 months of coverage. You will have to pay the whole premium yourself though. ( all of this applies if you leave your job or your hours are cut and no longer qualify for the company's insurance). I hope this helps
Options for medical insurance between jobs include COBRA coverage, short-term health insurance plans, individual health insurance plans, and Medicaid for those who qualify based on income and other factors.
Cobra insurance coverage covers health and medical needs. They are a health insurance place. They don't cover really anything but medical and health things.
If you want to know what the purpose of COBRA medical insurance is, it is to protect certain former employees and their needs when thy lose coverage under a group health plan. This is a very useful thing to have.
COBRA Medical Insurance is a continuation coverage option that allows individuals to maintain their employer-sponsored health plan after experiencing qualifying life events such as job loss or reduced work hours. One of the main advantages of COBRA Medical Insurance is continuity of care. It allows you to keep the same doctors, network, and coverage benefits as your previous employer plan.
Try Cobra
No, COBRA coverage is typically only available for medical insurance and does not usually include dental coverage on its own.
Most dental insurance plans do not cover treatments for cobra bites. You may need to look into specialized medical insurance or emergency services for coverage in such situations.
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.
If you are not employed you may be eligible to continue your previous employers' health insurance through COBRA. This also applies to children going off to college... you also may be able to continue on your parent's health insurance coverage through COBRA. This is a very good option for people who may have lost their job and are still undergoing medical treatments. If you were to switch to another insurance plan, your current medical treatments may not qualify under the new health insurance plan. But.. WARNING! This will not be an affordable health insurance option. The premiums will be much higher and you may be able to better afford one of the below options first.
How do I qualify for a COBRA extention, my employer does have more than 20 employees
You can apply for Cobra medical insurance from the Department of Labor when a qualifying event entitles you to a claim. Some examples of qualifying events include termination of your employment through no fault of your own or reduction in the number of hours available to work.
When your employment is terminated for any reason, the employer is not liable to keep you on the insurance.However, they should offer you Cobra Insurance-you pay the total cost of the insurance. Most people decline this offer due to the expense.