Cobra Health Insurance Form

If you lose coverage due to a change in your employment status or the employment status of your spouse or parent you are eligible to continue your benefits on cobra for 18 months.

Cobra health insurance form. Effective january 1 2020 blue cross blue shield of rhode island bcbsri s state cobra. It s a federal law that was created in 1985 that gives individuals who experience a job loss or other qualifying event the option to continue their current health insurance coverage for a limited amount of time. When you lose job based insurance you may be offered cobra continuation coverage by your former employer. If you are a municipal employee with health coverage through the gic you have the right to choose cobra coverage if you lose your group health coverage because your hours of employment are reduced or your employment ends for.

Cobra beneficiaries generally are eligible for group coverage during a maximum of 18 months for qualifying events due to employment termination or reduction of hours of work. Instead of enrolling in cobra continuation coverage there may be other more affordable coverage options for you and your family through the health insurance marketplace medicaid medicare or other group health plan coverage options such as a spouse s plan through what is called a special enrollment period. The exact dates of your cobra eligibility will be printed on the cobra enrollment form that is mailed to you. 1 the death of the covered employee 2 the termination other than for reasons of gross misconduct of a covered employee s employment 3 a reduction in a covered employee s hours of employment 4 the divorce or.

Cobra is a federal law passed three decades ago to give families an insurance safety net between jobs. If you decide not to take cobra coverage you can enroll in a marketplace plan instead. It s available if you re already enrolled in an employer sponsored medical dental or vision plan and your company has 20 or more employees. The consolidated omnibus budget reconciliation act cobra gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss reduction in the hours worked transition between jobs death divorce and other.

A plan however may provide longer periods of coverage beyond those required by cobra. If you re losing job based coverage and haven t signed up for cobra learn about your rights and options under cobra from the u s. If you are an employee of the commonwealth of massachusetts you have the right to choose cobra coverage if you lose your group health coverage because your hours of employment are reduced or your employment ends for reasons other than gross misconduct. A qualifying event is any one of the following events which would result in the loss of health insurance coverage.

If employees and their dependents are covered by the state of rhode island health insurance plans and lose coverage they may be eligible for cobra continuation coverage for any combination of medical dental and vision care persuant to the cobra general notice of continuation rights.