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What else can I help you with?
Does my employer have to offer COBRA coverage?
Yes, under federal law, employers with 20 or more employees are generally required to offer COBRA coverage to eligible employees and their dependents when they experience a qualifying event that would result in a loss of health insurance coverage.
Does a company have to offer COBRA coverage to employees who are eligible for it?
Yes, under the Consolidated Omnibus Budget Reconciliation Act (COBRA), companies with 20 or more employees are required to offer COBRA coverage to eligible employees who experience a qualifying event that would result in a loss of health insurance coverage.
What are the eligible benefits for Cobra coverage?
COBRA coverage allows individuals to continue their employer-sponsored health insurance for a limited time after leaving a job. The eligible benefits for COBRA coverage include the same health insurance coverage as when employed, but the individual is responsible for paying the full premium.
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 if the cobra insurance coverage is better than the new employer's insurance, can I still keep the cobra coverage?
If the COBRA insurance coverage is better than the new employer's insurance, you may choose to keep the COBRA coverage instead of enrolling in the new employer's insurance.
You have had insurance with your current employer for 18 months If you change jobs are you immediately eligible for coverage with your new job?
Depends what the waiting period is. You would probably be eligible for COBRA in the interim.
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.
What happens to your medical insurance if you quit your job?
Your employer owns the policy, you don't. Your coverage may last until the end of month, or may end on the last day of your employment. If you employer has more than 20 employees you should be eligible for Cobra. You will get paper work in the mail to apply, however Cobra is going to be expensive. An individual policy, if you are eligible, will cost significantly less. Call a local agent for a quote, and assistance in applying.
How do you maintain health insurance coverage for your wife and son after you turn 65 and are eligible for Medicare?
Where you covered under an Employer Group or Individual Plan? If Employer Group - they would be eligible for COBRA - If Individual - then just tell the Insurance Company to take you off.
Can you qualify for a COBRA extension if your employer has less than 20 employees and what do you do if this does not qualify you?
How do I qualify for a COBRA extention, my employer does have more than 20 employees
Can I have both Cobra and other insurance coverage at the same time?
Yes, you can have both Cobra and other insurance coverage at the same time. Cobra allows you to continue your previous employer's health insurance for a limited time after leaving your job, while you can also enroll in a separate insurance plan if you are eligible.
Is it possible for me to stop COBRA coverage at any time?
Yes, you can stop COBRA coverage at any time by notifying your employer or the COBRA administrator in writing.
