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Your COBRA Questions Answered

Here are the questions you've asked about COBRA:

Question:

Need clarification as to status of unemployment for Stimulus/Cobra coverage possibility. Terminated March 2008 but received severance pay equal to 26 Forward Weeks of Salary.

Does this qualify for the September 2008 start of unemployment stated in the Stimulus proposition? Thank you

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Question:

Hi,
I was recently laid off from a very small company. I am afraid that if I request the 65% COBRA subsidy, the company will have to absorb the cost in the short term which will hinder it from using the money in more productive ways. They are in very dire straits and I don't want to create a financial hardship for them. How can I do this?
Thank you.

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Question:

If you are terminated for just cause are you eligible for the cobra stimulus package?

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Question:

My spouses last day of employment was 02/27/2009, (downsizing & layoff). Can he be denied COBRA, by his previous employer, based on the fact that I am employed and have the option of adding him to my coverage? I have always maintained healthcare coverage for myself only

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Question:

In 11/08 I left a job with full benefits to relocate with my husband. As I am using my Cobra benefit with medical only in my state of relocation, I find that I am forced to pay [more than $400 per] month to my previous employer and can only receive out of network benefits with high deductibles and 40/60 coverage. They have no in network providers in my state, they say. I have been unable to find employment so far and it is looking like I will have to take per diem work without benefits. I am 62.5 years old.

Is there any help for me in this new Cobra plan?

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Question:

I was let go on February 3rd but my employer graciously extended my health insurance six months as part of the severance package.

My understanding is that until the health insurance is notified of your termination they continue to view you as employed. The reason this is important is that COBRA will not accept your claim after you are terminated.

How and when do I best apply for COBRA Health Insurance?

Also, how do I make sure that the Federal government pays 65% of my premium for up to nine months of my COBRA insurance?

Thank You in advance for answering these questions.

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Question:

My employer is going out of business and has only 14 employees — will his employees be eligible for COBRA? I heard that employees of small businesses are not eligible! That can't be true!

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Question:

Hello,
I have a question. My husband's employer is moving to Mexico as soon as the war down there calms down. In the meantime they have cut everyone's hours to the point they can't afford to pay their bills, but are not laying off until they are ready to make the move, leaving everyone broke and struggling.

It has forced my husband into early retirement because that is the only way we can pay most of our bills. Then we were told, if we want to keep our insurance the COBRA is going to cost us [almost $800] a month. This payment will kill us. I will be eligible for Medicare in two years, my husband in three.

Will the COBRA subsidy cover our situation?

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Question:

Does a person qualify for a COBRA subsidy based on the date their health insurance plan ended at their former job, or is it based on when you left the job? Sometimes these two dates differ. Thank you.

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Question:

I currently have COBRA from a previous employer. My COBRA ends May 31st and I will need to find new individual health coverage.

I was told that as long as you can prove that you had creditable coverage you automatically qualify for new individual health insurance without having to go through the underwriting process. Obviously with the understanding you will be paying regular premiums as you did when you were with COBRA.

Also. Are there specific rates regarding individual coverage under HIPPA if for some reason an insurance company does deny you for an individual policy.

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Question:

Hi… When will the new program of the government covering 65% of COBRA go into effect and when it does how would a person go about getting the benefit?

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Question:

I resigned this month but am covered through my current health insurance through the end of March. I plan to travel to Australia leaving this month and returning in mid-April after my COBRA coverage will begin. I know Blue Cross Blue Shield, my current insurance carrier, does cover international travel. Will COBRA as well? Do I need to specifically request this when I elect COBRA coverage to begin on 1 April?
Many thanks

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Question:

I currently have group health coverage through my employer with Kaiser in Hawaii (HMO). I am planning to move to northern Virginia in the fall. I know that Virginia also has a Kaiser HMO

Would I be eligible for COBRA coverage with Kaiser in Virginia, or will I lose my eligibility for COBRA since I am moving out of the Kaiser Hawaii service area?
Thanks

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Question:

I was laid off November 6, 2008. I am on salary continuation and employer health plan until end of September, 2009.

When this ends will I still be eligible for COBRA and the government subsidy? I have heard that 9 month eligibility begins with actual date of termination (November 6, 2008). Can you clarify this for me?

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Question:

My company is closing on 3/31 and has about 30 employees. What do I do?
Thank you

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Question:

My husband's job ended Friday the 13th…I am older than he, (66) and have Medicare A and B. Since I have that coverage, do we both qualify for the Cobra plan…would Medicare be my primary and Cobra secondary? Cobra would be my husband's only insurance.

Would we be better off to look at other plans? I just finished radiation for [cancer] and will be on expensive pills for five years.
Thank you

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Question:

Hi,
I was wondering if I would be available for the subsidy cobra insurance program that is being offered for the 9 months?

My last day of work from my employer was August of 2007 they had carried me at a discounted rate up until the month of August of 2008 is when they had offered me the cobra insurance. So, the month of August of 2008 was the first month I made my payment to my employer for the cobra health insurance…

Does this mean I am not qualified for the 65% subsidy program??
Thank you

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Question:

If you were laid off from a position in March 09 and received a two months period to sign up with the COBRA plan, then started a new job few weeks after, can the person use the COBRA plan provided by the former employer even though he/she is still working with a new employer?

Thank you for your help.

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Question:

My husband was laid off from his job in January 2009. He refused the COBRA based on price and we took the insurance offered through my full-time position. My husband recently took a position that offers no benefits. As I am now needing to make a change due to childcare, I can not continue full-time and will lose my benefits.

Can he still get COBRA from his former employee? We have tried private insurance but due to pre-existing conditions they say will never be covered we can't go that route now.

If we are able and do go to the COBRA plan, what happens when it runs out to our pre-existing conditions?

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Question:

My hours were cut from 40 hours per week to 20 hours per week in January 2009. Do I qualify for assistance in paying for COBRA Insurance?

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Question:

My husband was laid off on January 9th, and we have been paying Cobra premiums. We have also received the packet stating that he is eligible for the economic stimulus benefit. One of the questions asks if he is eligible for group insurance through my employer. He is eligible but the premium is over $625 and they do not accept preexisting conditions (which he has). He was already turned down when he tried to enroll in Blue Cross Blue Shield.

Will we still be able to claim the benefit?

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Question:

For someone unemployed and covered by COBRA who receives a life-threatening diagnosis late in their 18 month period of COBRA coverage, would their coverage still be terminated after 18 months or is there an exception that would allow them to keep their COBRA coverage to deal with their life-threatening condition? Thanks

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Question:

I was laid off in January of this year and did not elect to take COBRA. I recently received notification that I am eligible (because of the stimulus package) to sign up again and potentially for the reduced premium.

What I am unclear about is if I am still eligible to sign up for Cobra even thought I am not eligible for the reduced premium because I have access to another group plan.

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Question:

I started my COBRA coverage in March 2008 when I lost my job as my company was acquired by another. I started a new job in June 2008, but elected not to take their group health plan as it was inferior to what I had from COBRA and my employer was exploring alternative coverage. This job also ended on 12/31/08 when my company merged with another.

Since I lost my job during the required timeframe but was already on COBRA from a previous job can I qualify for the subsidy?

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Question:

My husband was laid off March 18, 2009. We had to wait until his insurance ran out on March 31, 2009 before we could sign up for the Cobra option. We filled out all the paper work and sent it in only to receive confirmation on April 9, 2009 that we were denied because they said we could get on to my insurance at my work without a waiting period or pre-existing issues.

Is there a law that I could look up or someone to call to prove to my husband's former company that they can not deny us?

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Question:

I lost my job on March 13th and was not provided with specific information regarding my options for continued coverage so we signed up with my spouses plan on April 1. Unfortunately, on April 9th my wife was informed her position at a local hospital will be eliminated shortly and because it's a religious organization there is no COBRA available.

I have not received my COBRA election information yet so is it possible to now opt out of this plan and receive the benefits of the government subsidy and elect COBRA?

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Question:

I was laid off on 12/31/2008 and signed up for COBRA effective 1/1/09. My severance package provides that for the next six months (Jan-June 2009), my share of the health insurance premium will be the same amount of $125/month that I have been paying as an employee; company will pick up the balance.

Question: For my particular circumstances, when does the OBAMA 65% employee share kick in? Is it 1/1/09 or 7/1/09? For obvious reasons, I am hoping the 65% deal kicks in 7/1/09 so that I pay 65% of $1,100/month instead of the full amount.

Thanks and God bless

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Question:

Hi,
I was laid off in November 2008 and was given COBRA Coverage, but did not elect because I was able to find a job in December 2008. However I had to resign in March 2009 due to relocation. Because I was offered COBRA through my recent employer ( the company that I resigned in March 2009), am I eligible for the stimulus cobra coverage?

I am working at a small medical office now, and am currently using my Cobra Coverage, my concern is if I get laid off again here at this small medical office, will I be eligible for the stimulus cobra coverage?

Thanks

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Question:

Good afternoon,
I was let go at my job on Feb 17, 2009. I just received my first bill for Cobra from my ex employer, [but] they charged me the full price….how can that be? Shouldn't I only have to pay 35%?

Thank you

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Question:

I have Humana insurance now and am planning to move to Africa soon. What options will I have with COBRA?

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Question:

My husband was laid off in March and he had a great insurance plan, I am pregnant and due in July, we have been paying for COBRA. He has then found another job and qualifies for benefits in his new company June 1st. I would like to stay on COBRA and my old plan since I have meet almost all the deductibles as well as it would be much cheaper for the delivery, etc expenses if I use the other plan.

Can I still stay in cobra and delay getting on his insurance until after cobra is up (6 months)? or even just after the delivery?

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Question:

I was laid of Dec. 1, 2008 and I've been paying COBRA since then. I just found out that the company that worked for is now going out of business. Will I still be eligible to receive COBRA and the subsidy?

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Question:

I was recently let go from a small company with less that 20 employees. Do I still qualify for the 65% subsidy for the COBRA rates? I have a chronic health condition and can not get individual insurance, nor can I afford to go without it!

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Question:

I was just wondering if COBRA would apply to me if I was told I needed to go part-time instead of full-time (downsizing); and because of this I am loosing my benefits of health insurance. I only was given a weeks notice; as of May 1st I would be considered part-time and have no health insurance.

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Question:

My husband passed on Jan 1, 2007. His company offered me 2 years of health coverage, and the option of applying for COBRA at the end of that period. I have been unemployed since 2007. If I get a job before the end of this year, do I lose the opportunity to apply for COBRA?

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Question:

I have Humana insurance now and am planning to move to Africa soon. What options will I have with COBRA?

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Question:

If I am on COBRA and I take a job without benefits, can I still continue the COBRA until I get medical insurance?

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Question:

I currently have Kaiser HMO through my employer. Because I will be moving out of the Kaiser service area in a few months, I will not be able to use COBRA in my new state with the new state's Kaiser plan.

My employer also offers a different health plan, which does have a network of providers in my new state. Even though I am a Kaiser member, do I have the right to use COBRA through the other plan my employer offers, since it would be my only option for exercising my COBRA rights?

I need to use the COBRA due to pre-existing medical conditions that I do not want excluded when I find a job in my new state (and get a new health plan.) Thanks.

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