MamasHealth.com Home Insurance Information Child Care Insurance COBRA Dealing with an HMO Dr. Dealing with your HMO Dental Insurance Disability Insurance EPO Insurance Family & Medical Leave Health Insurance Help with Denied claims HIPPA HMO Plans HMO Terms Explained Hospital Indemnity How Much Insurance HRA Insurance Terms Life insurance for kids Life insurance from your job Long Term Care Medicaid Medicare Medigap MSA POS Plans PPO Plans Save money on insurance Term vs. Whole Universal Life Workers' Comp Links Email Mama Financial help during medical crisis Adoption insurance Car Insurance Save on Car Insurance Financial Assistance for women's healthcare 2005 Insurance Coverage 2006 Insurance Coverage Sign up for the MamasHealth Newsletter	COBRA What is COBRA? COBRA is an abreviation for Consolidated Omnibus Budget Reconciliation Act. COBRA was passed by the United States Federal Government in 1986. COBRA is insurance that is offered to an individual who may have lost or been laid off his job. COBRA is also available to individuals who voluntarily resigns from his. Your health insurance provider is required by law to notify you of your rights to continue your health benefits under COBRA. COBRA guarantees that you can still receive health insurance under your former employers group plan for up to eighteen months. However, the coverage is at your expense. COBRA is also available to full time employees who may have had their work hours reduced and who are now classified as part-time employees. There are generally three groups of people who can qualify for COBRA coverage. These include former employees and/or retirees, the spouses of former employees and/or retirees, and the children of the aforementioned. A qualifying family member may choose to enroll in COBRA, even if the previously employed person does not. COBRA does not cover any individual health plans that you have purchased on your own. What Will a COBRA Health Plan Cover? A COBRA health plan will cover all of the health benefits that you would have normally received through your former employer’s major group plan. These benefits can include outpatient care, inpatient care, doctor care, medication, as well as any surgical procedures that you may need. Depending upon your original policy, you may also receive vision and dental care in your plan. If you are covered under COBRA and your former employer’s group plan changes, your plan will change, as well. When Will My COBRA Coverage End? When your policy expires. When you fail to pay your premiums. When your former employer goes out of business or ceases to have group health insurance. When you obtain health insurance through another employer’s group plan. However, this plan must not contain any exclusions to because you have a pre-existing health condition. You qualify to receive Medicare benefits.	Featured Book
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