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Q:  Hello, I was taken off my insurance from my fathers work. I was his dependent as a student. However, when I turned 23 I was removed. Now I'm stuck without any insurance with high prescription cost I recently was prescribed by doctor. Can COBRA help?? Please email ASAP. Thank you.

A:  We are a company that offers Cobra Alternatives. They are short term major medical plans that cover new illnesses or injuries. They do not cover any pre-existing conditions.  The plans online are alternatives to Cobra. The main difference between this plan and Cobra is that it doesn't cover pre-existing conditions or preventative care.  Short Term Health typically costs less than Cobra. They'll cover new illnesses or injuries.

COBRA is the name of a federal law. COBRA contains provisions giving certain former employees, retirees, spouses and dependent children the right to temporarily continue their health coverage at group rates. Your employer is required by law to offer you the continuation of their group health policy for up to 18 months if there are more than 20 employees. You will need to request a COBRA packet from your employer, sometimes the HR dept or benefits manager. They will send you an election form in the mail (they have 45 days to send it) for you to complete. Once you complete this form and return it with in 60 days, your insurance will be retro-active to your last day of employment.  You will not have any lapse or gap in coverage.