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AN EMPLOYEE'S GUIDE TO HEALTH BENEFITS UNDER COBRA ...
continue their coverage under the employer's group health plan, at least for limited . Condition Insurance Plans and the Children's Health Insurance. Program.
http://www.dol.gov/ebsa/pdf/cobraemployee.pdf

COBRA Insurance .com - COBRA Insurance Information Source
Save up to 65% on your COBRA Insurance with our many health plan options that are available. COBRA Insurance experts have helped hundreds of thousands .
http://www.cobrainsurance.com/

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COBRA Insurance Health Plan Advice for Individuals and Small ...
COBRA Insurance Group Health Plan Advice, Fines, Notices, Qualifying, and Alternatives.
http://www.cobrahealth.com/

Help with paying your COBRA premiums

COBRA Health Insurance - information, education, and affodable ...
COBRA health insurance plan advice for individuals and corporations who need information or have questions regarding COBRA benefits.
http://cobrahealthinsurance.com/

COBRA Insurance Health Insurance Alternative
Short term, temporary medical health insurance. Instantly . COBRA Insurance . net . No one plans to have an unexpected illness or accident happen to them.
http://www.cobrainsurance.net/

Losing health insurance, HIPAA, conversion plans, Health Insurance ...
Your most recent insurance must have been in an employer-sponsored group health plan. You must first use up all your Federal COBRA/Cal-COBRA if you .
http://www.dmhc.ca.gov/dmhc_consumer/hp/hp_hipaacp.aspx

Search and Compare Alternatives to COBRA Health Insurance Plans
What is COBRA? COBRA is 1985 federal legislation that requires employers with more than 20 employees to allow employees that leave the company to .
http://www.healthplanone.com/cobra-health-insurance.aspx

COBRA Health Insurance Plan Update - Compensation Today
Feb 17, 2011 . How does COBRA health insurance coverage work for employers these days? Get up-to-date facts.
http://blogs.payscale.com/compensation/2011/02/cobra-health-insurance-plan.html

COBRA Stimulus Plan - Personal Insurance - About.com
The American Recovery and Reinvestment Act, signed into law by President Obama on February 17, 2009, is a $787 billion stimulus bill. One of the many .
http://personalinsure.about.com/od/health/a/aa021809a.htm

COBRA Insurance Benefits - COBRA Insurance Information
health insurance costs while you are working. With COBRA, you pay the entire cost. Work health insurance plans cover healthy and unhealthy employees.
http://www.cobrainsurancebenefits.org/

Consolidated Omnibus Budget Reconciliation Act of 1985 ...
This article is about the US medical insurance law. . employees) for contributions to a group health plan unless such plan meets certain continuing coverage requirements. . COBRA also allows for coverage for up to 18 months in most cases.
http://en.wikipedia.org/wiki/Consolidated_Omnibus_Budget_Reconciliation_Act_of_1985

Health insurance coverage after COBRA benefits end - MSN Money
May 28, 2010 . [Related content: insurance, health care, financial planning, jobs, . But what happens if your COBRA coverage expires and you haven't found .
http://articles.moneycentral.msn.com/Insurance/InsureYourHealth/what-to-do-when-cobra-runs-out.aspx

Know your COBRA rights | Insure.com
Dec 22, 2009 . Continue your group health insurance after you lose your job. . If you continue your plan under COBRA, you can be charged 100 percent of .
http://www.insure.com/articles/healthinsurance/cobra.html

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Post-COBRA health insurance options
Post-COBRA health insurance options. By Paul Bomberger • Bankrate.com. Highlights. Joining a spouse's plan usually best, but not always practical.
http://www.bankrate.com/finance/insurance/post-cobra-health-insurance-options-1.aspx

Employee Benefits Security Administration - Health Benefits Advisor
A written certificate issued by a group health plan or health insurance issuer . a plan, when you are entitled to elect COBRA continuation coverage or when you .
http://www.dol.gov/elaws/ebsa/health/4.asp

AHIP and COBRA - Welcome to HealthInsurance.Alabama.Gov
Alabama Health Insurance Plan and Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA). Alabama Health Insurance Plan. The Alabama health .
http://healthinsurance.alabama.gov/ts_cobra.htm

Temporary Health Insurance, Interim Health Insurance , Cobra ...
Interim Health Insurance, Cobra Alternative ,Student Temporary Health Insurance . Most temporary health insurance plans come with different deductibles .
http://www.uniquoter.com/

Are you eligible for COBRA?

COBRA Medical and Health Insurance Administration Plans and ...
CBIZ expertly manages COBRA Medical and Health Insurance Administration Plans including enrollment, payments, rate changes, eligibility and election period .
http://www.cbiz.com/page.asp?pid=3184

Health Law Preserves Cobra Plan - The New York Times
Apr 2, 2010 . Will you, for instance, still be able to get health insurance under the government- mandated Cobra program? If so, for how long? And at what .
http://www.nytimes.com/2010/04/03/health/03patient.html

COBRA, Cal-COBRA, continuing health coverage for the unemployed
Federal COBRA is a U.S. law that applies to employers and group health plans that cover 20 or more employees. It lets you keep your group health insurance .
http://www.hmohelp.ca.gov/dmhc_consumer/hp/hp_cobra.aspx

FAQs About the 2009 COBRA Health Insurance Subsidy Program
As a part of the economic stimulus plan (also called the ARRA - American Recovery and Reinvestment Act), any American laid off during the recession of 2008 .
http://patients.about.com/od/healthinsuranc1/tp/2009COBRAsubsidy.htm


COBRA coverage periods

Qualifying event

Beneficiary
eligible
for COBRA

Maximum
coverage
time

·  Voluntary or involuntary termination of job other than gross misconduct

·   Reduced hours

Employee
Spouse
Dependent child

18 months

·  Total disability

Employee

29 months

·  Employee entitled to Medicare

·  Divorce or legal separation

·  Death of employee

Spouse
Dependent child

36 months

·  Loss of dependent-child status

Dependent child

36 months

COBRA Insurance Information
COBRA Insurance information and resources covering all subjects related to . COBRA generally requires that group health plans sponsored by employers with .
http://www.cobrainsurance.cc/

Obama Stimulus Package: 65% COBRA Premium Reduction ...
Feb 24, 2009 . Once you have been approved for COBRA, you make the premium payments for your health insurance. The length of time you are allowed to .
http://voices.yahoo.com/obama-stimulus-package-65-cobra-premium-2742563.html

COBRA Insurance FAQ's
The Federal government's group health plan is not subject to COBRA. However, a separate law, .
http://www.cobrainsurance.com/COBRA_FAQ.htm

Frequently Asked Questions about Portability of Health Coverage ...
If your group health plan permits coverage of family members ("dependents"), and . of your prior plan) will have to pay for this temporary coverage, COBRA can .
http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html

COBRA Health Insurance Continuation Premium Subsidy
Jan 31, 2012 . Individuals must also be enrolled in a qualified health plan. . to Help Employers Claim COBRA Medical Coverage Credit on Payroll Tax Form.
http://www.irs.gov/newsroom/article/0,,id=204505,00.html

Your COBRA coverage ends when:

  • HIPAA Guaranteed Issue Health Insurance Plans For California ...
    HIPAA Guaranteed Issue Health Insurance Coverage Plans For California Residents Exhausting COBRA. HIPAA Health Plan Effective Dates and Enrollment .
    http://www.davefluker.com/hipaa.html

  • COBRA Insurance - Information, Options & Savings - Health Insurance
    If you qualify for COBRA coverage, then you have the option of continuing your employer-sponsored health plan for a limited period of time. COBRA requires that .
    http://www.ehealthinsurance.com/cobra-insurance-coverage

  • COBRA vs EPO health insurance plan - tech talk
    Feb 10, 2011 . A person I know recently lost his job and is deciding between COBRA and an indiviual insurance plan from ehealthinsurance. His COBRA cost .
    http://techtalk.dice.com/t5/Contractors/COBRA-vs-EPO-health-insurance-plan/td-p/214788

  • COBRA Insurance Coverage
    Individual and family health plans also offer the similar benefits as COBRA plans, sometimes at a more reasonable price. Make sure you compare your options .
    http://www.medhealthinsurance.com/cobra.php

  • Cobra Health Insurance
    COBRA health insurance information, resources and alternatives. Get an online quote and apply for health insurance. Compare plans and start coverage as .
    http://www.consumerbenefits.net/cobra-insurance.htm

  • Short Term Health Insurance for Unemployed, Temporary Health ...
    Short Term Health insurance providing temporary protection for those between . Plans offered above are great for healthy families seeking COBRA Insurance .
    http://www.eshorttermhealthinsurance.com/

Plan selection

More on COBRA
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BADGERCARE PLUS CORE PLAN HEALTH INSURANCE ...
Your COBRA coverage period ended (see Examples 9-12). ACCESS TO HEALTH INSURANCE: You cannot enroll in the Core Plan if you: ? Could have signed .
http://www.uwex.edu/ces/ag/facstaff/documents/anre%20weekly%20updates/documents/BadgercareFactsheet.pdf

NJ Recovery and Reinvestment Plan | COBRA and New Jersey ...
COBRA Group Coverage Continuation Premium Reduction. . available to the extent that an employer continues to offer coverage under a group health plan.
http://www.nj.gov/recovery/programs/cobra.html

What You Need To Know About COBRA Health Insurance
Jan 3, 2012 . COBRA Coverage If you do qualify for COBRA, you won't have to learn the ropes of a new health insurance plan for the time being. COBRA .
http://www.investopedia.com/articles/insurance/11/intro-cobra-health-insurance.asp

COBRA Insurance alternatives | Individual Health Insurance
COBRA Insurance alternatives from SuperMed One a leading provider of COBRA Health Insurance alternatives. Our individual health insurance is an ideal .
http://www.supermedone.com/how-to-choose-a-plan-between-jobs.html

Find Affordable COBRA Alternatives - WPS Health Insurance
Before you sign up for COBRA continuation coverage, let WPS help you explore COBRA alternatives. We offer three health insurance plans that could save you .
http://www.wpsic.com/insurance/cobra-alternatives.shtml

Health plans subject to COBRA are:

  • MIT Human Resources | MIT Employee Benefits -- COBRA
    Eligibility. You are eligible for COBRA coverage if you were enrolled in an MIT health, dental, or vision plan and have lost your eligibility because of a change in .
    http://hrweb.mit.edu/benefits/health-medical-plans/cobra

  • VIPER® Health Insurance - COBRA Health Insurance Alternative ...
    Affordable health insurance quotes, COBRA Health Insurance Alternative health plans, short term medical health insurance plans, individual health insurance...
    http://www.viperhealthinsurance.com/

  • Health Insurance for Unemployed - Consumer Reports Health
    And if you have a pre-existing condition, you might not be able to find an affordable individual health insurance plan that will accept you. Some COBRA .
    http://www.consumerreports.org/health/insurance/health-insurance/new-health-insurance-basics/health-insurance-unemployed.htm

  • Health Insurance Continuation Rights - COBRA
    NOTE: If you are covered by another group health plan or Medicare at the time of the qualifying event, COBRA must still be offered. Coverage under Medicare or .
    http://insurance.illinois.gov/healthinsurance/continueCobra.asp

  • COBRA Coverage and Disability - Allsup
    Under COBRA, you have the option to keep your employer's group health plan coverage for a limited period of time after your employment ends. If you are .
    http://www.allsup.com/personal-finance/managing-healthcare-costs/cobra-coverage.aspx

  • Health Benefits - Office of Labor Relations
    Health Benefits Program Information > Options Available When Coverage Terminates. A. Conversion Option B. COBRA Benefits C. Disability Benefits Special .
    http://www.nyc.gov/html/olr/html/health/prog_info_options.shtml

  • COBRA - Minnesota Department of Health
    Oct 26, 2011 . Many people have health insurance through their employer's group plan. When they no longer qualify for coverage through this plan, federal .
    http://www.health.state.mn.us/hmo/cobra.htm

Benefits not subject to COBRA are:

  • Who Pays First
    Group health plan. Medicare. 12. After 30 months of eligibility or entitlement to Medicare. Medicare. Group health plan. 12. Have ESRD and COBRA coverage .
    http://www.medicare.gov/publications/pubs/pdf/02179.pdf

  • Pennsylvania COBRA Health Insurance
    The ultimate resource for COBRA insurance information and options . If you have coverage through an employer's group health plan and then lose the .
    http://cobrahealthinsurance.com/Resource/Pennsylvania_Cobra_Health_Insurance.html

  • Individual & Family Health Insurance Plans - Compare Individual ...
    COBRA allows you to temporarily continue with the same health benefits as you had with your employer plan. It's available to most employees whose coverage .
    http://www.ibx.com/health_plans/individual/all_options.html

  • COBRA health insurance
    COBRA allows the newly unemployed to extend the health coverage they had with . coverage they may have enjoyed in an employer-sponsored health plan.
    http://www.healthinsurance.org/learn/cobra-health-insurance/

  • COBRA Health Insurance and Divorce
    If you remarry but do not receive coverage under your new spouse's group health plan, you may retain your C.O.B.R.A. coverage. To lose your C.O.B.R.A. .
    http://www.montylaw.com/free-family-law-advice/COBRA-health-insurance-and-divorce.aspx

  • COBRA Coverage at Health Insurance Carriers
    The COBRA plan offers continued health coverage with the same benefits as the original group health care policy, but does not include life insurance or .
    http://www.health-insurance-carriers.com/cobra.php

  • COBRA Health Insurance Ohio
    COBRA insurance or an Ohio private health insurance plan. If you are currently insured under a group medical plan and you leave your employer, you'll have a .
    http://www.ohioquotes.com/latest-news/cobra-health-insurance-ohio-a65.html

The rules for beginning COBRA

Health Insurance After Employment (COBRA) | Employee Rights ...
(California passed a similar law known as “Cal-COBRA.”) Under COBRA, the group plan health insurance plan made available to terminated workers provides .
http://www.las-elc.org/factsheets/cobra.html

New York Health Insurance Plans » Health Care Reform and COBRA
Feb 2, 2012 . COBRA insurance has been a great stopgap measure for all employees enrolled in the temporary insurance program. This is a last resort when .
http://www.nyhealthinsurer.com/2012/blog/health-care-reform-and-cobra/

Ohio COBRA Alternative Health Insurance, Ohio Health Insurance ...
COBRA refers to the Consolidated Omnibus Budget Reconciliation Act of 1985. This requires most employers that have group health insurance plans to offer .
http://www.onesourcebenefits.com/ohio-cobra-alternatives.htm

Kaiser Permanente continuation of coverage
Do you prefer a plan that doesn't require a medical review? . If your employer group does not offer COBRA coverage, you may be eligible for other group .
https://members.kaiserpermanente.org/redirects/landingpages/continuingcoverage/in-georgia.htm

DC 37 Health and Security Plan Benefits: COBRA Benefits
Benefits DC 37 Health & Security Plan Benefits. COBRA-Consolidated Omnibus Budget Reconciliation Act. Under the COBRA law, members have the right to .
http://www.dc37.net/benefits/health/cobra.html

Health Insurance Information - FAQ
. to continue in your employer's group health plan after your job . you may be eligible for COBRA continuation coverage when you .
http://www.lehrmangroup.com/faq.php

Changing your mind

fact 30.qxp
Employees' Health Benefits Program (SEHBP) par- ticipants, COBRA is not a separate health program; it is a continuation of SHBP or SEHBP coverage .
http://www.state.nj.us/treasury/pensions/epbam/exhibits/factsheets/fact30.pdf

Piecemeal COBRA Health Insurance Subsidy Extensions Puzzle ...
Mar 16, 2010 . Congress has extended the COBRA subsidy periods again and again, . Island, N.Y., which administers COBRA group health insurance plans.
http://www.kaiserhealthnews.org/Stories/2010/March/15/COBRA-confusion.aspx

Florida Mini-Cobra Legislation - Florida Health Insurance
Florida Mini-Cobra Legislation - Florida Small Groups With Less Than 20 . (c) " Continuation coverage" means coverage under the group health plan which .
http://www.floridahealthinsurance.com/florida-mini-cobra.htm

HEALTH CARE COVERAGE OPTIONS FOR UNEMPLOYED MA ...
COBRA – continuation of coverage on your previous employer's health plan. • Coverage through a spouse's or domestic partner's employer-sponsored health .
http://machw.org/documents/HealthCareCoverageOptionsforUnemployedMAResidents-080409.pdf

Other COBRA details

  • The COBRA Subsidy and Health Insurance for the Unemployed ...
    qualify for COBRA because their employer is no longer offering a health plan. Similarly, if an employer stops offering any health insurance, its workers are not .
    http://www.kff.org/uninsured/upload/7875-02.pdf

    Health Net Conversion Plan
    Health coverage under the Conversion plan is available to Health Net members whose COBRA coverage has expired, who continue to live within the Health Net .
    https://www.healthnet.com/portal/member/content.do?mainResourceFile=/content/general/unprotected/html/ca/plans/all_other/ca_hn_conversion_plan.html

  • COBRA « Affordable health insurance blog
    COBRA health insurance allows individuals to maintain their group health plan should they leave their job for reasons other than misconduct or should their .
    http://www.medsave.com/healthinsurance/category/cobra/

    Employer's Handbook — Mandated Health Benefits (COBRA ...
    Run your COBRA plan more efficiently without compliance mistakes. . With Mandated Health Benefits — the COBRA Guide, you can: • Better manage COBRA's .
    http://www.thompson.com/public/offerpage.jsp?prod=HEAL

  • Extensions.

    COBRA Health Insurance - COBRA Insurance & Alternatives
    Cobra insurance information and alternatives to COBRA health insurance. Compare plans with instant quotes and online applications. Member Better Business .
    http://www.cobra-health-insurance.com/

  • Group Health Plans Search - UnitedHealthcare
    From traditional coverage to consumer-driven health plans** and more, we offer . responsibilities with Pre-Tax Premium plans, COBRA administration services .
    http://www.uhc.com/group_plans_search.htm

    Cobra Help Center - Leader in Guaranteed Major Medical after ...
    Cobra Help Center issues comprehensive, fully insured major medical plans to any individual or family that has pre-existing medical conditions when they are .
    http://www.cobrahelpcenter.com/

    You May Need To Offer Conversion Coverage When COBRA Ends ...
    An employee leaves a job with group health plan coverage and moves to another job . An employee loses groups health plan coverage and wants to purchase .
    http://onque.com/tips/conversion.html

  • cobra
    Insurance plans under COBRA are private health plans, not sold by the government. The U.S. Departments of Labor and Treasury have jurisdiction over private .
    http://www.nhlcyberfamily.org/cobra.htm

    CITY OF SAN ANTONIO QUALIFIED MEDICAL PLANS HEALTH ...
    the right to choose COBRA for yourself if you lose group health coverage under the City's Health. Plans for any of the following four reasons: 1. The death of your .
    http://www.sanantonio.gov/hr/employee_information/benefits/pdf/Notice%20of%20Privacy%20Policy%20&%20COBRA.pdf

  • Navigating through COBRA -- Employers -- Aetna
    If you are an employer, find basic information about COBRA. . Manage health, life and disability benefits; View reports; Get forms and plan information; Contact .
    http://www.aetna.com/employer-plans/sas/healthysavings/cobra.html

    What is COBRA? – Go Health Insurance
    The federal law COBRA gives the right to keep your health coverage when you leave a job. . Get Health Insurance Quotes and Find Health Insurance Plans .
    http://www.gohealthinsurance.com/health-insurance-information/what-is-cobra.html

  • Cobra Health Insurance | Frequently Asked Questions
    How do I find out about COBRA coverage and how do I elect to take it? Employers or health plan administrators must provide an initial general notice if you are .
    http://www.ecobrainsurance.com/faq.htm

    cobra - University of Michigan Benefits Office
    Health Plan. 2011 Total COBRA Premium . Health Alliance Plan. You Only. $ 488.58 . U-M Premier Care. You Only .
    http://benefits.umich.edu/events/cobra.html

  • CONEXIS Solutions :: Employees :: COBRA/HIPAA
    In many cases your spouse and dependent children are also eligible for COBRA coverage, sometimes for as long as three years. Individual health plans, like .
    https://www.conexis.org/solutions/cobrahipaa_EE.asp

    COBRA Health Insurance Options in Colorado
    Apr 2, 2012 . Get quotes on temporary health insurance. Dependent costs are usually very much higher on a COBRA (Group) plan compared to the .
    http://www.healthinsurancecolorado.net/blog1/cobra/

  • Moving.

    INFORMATION REGARDING COBRA ELIGIBILITY
    election window is measured from the later of the date health plan coverage is lost due to the event or from the date of COBRA notification. This is the maximum .
    http://www.in.gov/spd/files/cobra_qe.pdf

  • COBRA - Affordable Health Insurance
    AFFORDABLE COBRA Alternative Health Insurance! . on COBRA and get an affordable plan through USA-Healthinsurance.com for the rest of the family. You'll .
    http://www.usa-healthinsurance.com/cobra-health-insurance.html

    Insurance Options | HealthCare.gov
    Find out what you should know about health insurance options and how the . Find out which private insurance plans, public programs and community services . Since your employer doesn't pay for COBRA coverage, you'll probably pay for .
    http://www.healthcare.gov/using-insurance/understanding/options/index.html

  • Health Insurance Information for a Person who is Unemployed
    COBRA coverage can end early if your employer stops offering a group health plan. COBRA applies to all employer health benefit plans with 20 or more .
    http://www.texashealthoptions.com/cp/unemployed.html

    Orato: Cobra Health Insurance Coverage PlanS Cobra Health ...
    Feb 16, 2012 . With unemployment statistics still running high and laid off workers finding their COBRA Subsidy expiring, many HR departments find .
    http://www.orato.com/health-science/cobra-health-insurance-coverage-plans

  • Disability.

    Consumer Guide To Continuation of Coverage - NAHU
    Within group health plans that are subject to COBRA, individuals must be what are known as qualified beneficiaries in order to receive benefits. A qualified .
    http://www.nahu.org/consumer/ContinuationCoverage.cfm

  • The California Patient's Guide: Glossary
    appeal - review of a health plan decision regarding a patient's health care with which the . COBRA - Consolidated Omnibus Budget Reconciliation Act of 1986.
    http://www.calpatientguide.org/glossary.html

    Cobra information - California health insurance
    Individual California health insurance is also exempt from COBRA extension, which may be another reason to pursue participation in group health plans, .
    http://www.calhealth.net/Cobra.htm

For more information regarding COBRA, visit the statefarm auto repair shop insurance


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Health care plans pay for most, and sometimes all, of the treatment costs for illnesses . COBRA coverage can end early if your employer stops offering a group .
http://www.tdi.state.tx.us/pubs/consumer/cb005.html

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Unemployed: COBRA vs. Individual Health Insurance » My Money ...
Aug 14, 2009 . About COBRA, Stimulus Bill Subsidy COBRA gives people who lose their jobs the right to continue coverage under their group health plan.
http://www.mymoneyblog.com/unemployed-cobra-vs-individual-health-insurance.html

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Cobra Alternatives | Individual Health Coverage | Carolina Direct
Discover COBRA alternatives through individual health coverage provided by Carolina Direct. Get a quote or apply online today.
https://www.carolinadirect.com/how-to-choose-a-plan-between-jobs.html

FAQ's Regarding the Loss or Potential Loss of Health Insurance ...
Can I still continue my health coverage if I just lost my job? Contact your health plan to see if COBRA coverage is a benefit provided in your current health plan.
http://hawaii.gov/dcca/ins/faqs/faqs-regarding-the-loss-or-potential-loss-of.html



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