An Employee's Guide to Health Benefits Under Cobra

An Employee's Guide to Health Benefits Under Cobra

An Employee's Guide to Health Benefits Under Cobra is a 17-page legal document that was released by the U.S. Department of Labor - Employee Benefits Security Administration on September 1, 2015 and used nation-wide.

FAQ

Q: What is COBRA?
A: COBRA is a federal law that allows employees to continue their health insurance coverage after leaving their job.

Q: Who is eligible for COBRA?
A: You are eligible for COBRA if you had health insurance through your employer and you experienced a qualifying event such as job loss or reduction in hours.

Q: How long can I continue coverage under COBRA?
A: You can continue coverage under COBRA for up to 18 or 36 months, depending on the qualifying event.

Q: Can I switch to a different health plan under COBRA?
A: No, under COBRA you can only continue the same health plan you had while employed.

Q: Is COBRA coverage expensive?
A: COBRA coverage can be more expensive than coverage through an employer, as you will be responsible for paying the full premium, including the portion previously paid by your employer.

Q: Are there alternatives to COBRA for health insurance?
A: Yes, you may be eligible for other health insurance options such as Medicaid, Marketplace plans, or coverage through a spouse's employer.

Q: Are dental and vision benefits included in COBRA coverage?
A: Dental and vision benefits may be included in COBRA coverage, but you should check with your employer or health insurance provider for specific details.

Q: What should I do if I become eligible for COBRA?
A: If you become eligible for COBRA, you should review your options carefully and consider factors such as cost, coverage, and duration before making a decision.

Q: Can I be denied COBRA coverage?
A: No, as long as you meet the eligibility requirements and pay the premiums, you cannot be denied COBRA coverage.

Q: What happens if I don't elect COBRA coverage?
A: If you don't elect COBRA coverage, you may lose your health insurance and be responsible for all medical expenses.

Q: Can I cancel my COBRA coverage before the end of the coverage period?
A: Yes, you can cancel your COBRA coverage before the end of the coverage period, but there may be restrictions and you may not be able to re-enroll.

Q: What if I have more questions about COBRA?
A: If you have more questions about COBRA, you should contact your employer's benefits department or your health insurance provider for assistance.

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Form Details:

  • The latest edition currently provided by the U.S. Department of Labor - Employee Benefits Security Administration;
  • Ready to use and print;
  • Easy to customize;
  • Compatible with most PDF-viewing applications;
  • Fill out the form in our online filing application.

Download a printable version of the form by clicking the link below or browse more legal forms and templates provided by the issuing department.

Download An Employee's Guide to Health Benefits Under Cobra

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