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| I have COBRA and I was told I have no coverage because I will be "out of network" |
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Q: I was told that I had COBRA coverage after I moved from Ohio to South Carolina. However, now that I paid my premium and want to use it, I am told that I have no coverage as I will be "out of network" and therefore there cannot be any coverage. Please advise as to what I can do. I thought COBRA was national and not just Ohio.
A: COBRA is a federal law. It gives an employee the right to keep their group health benefits when a qualifying event occurs that causes a loss of benefits. However, if that employer’s group plan is an HMO and uses a specific network of doctors, you will not have coverage available when you go outside of the coverage area. If your employer offers a variety of insurance plans that their employees can choose from, then they must allow you to change your benefits to a plan that will provide coverage when you became eligible for COBRA. If you are interested in an Alternative to COBRA, Click Here for more information.
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