Q: I am thinking of quiting my job. I am HIV+ and currently have an HMO coverage which includes perscription coverage. Two questions: 1) Can I still recieve Cobra? 2)Can cobra help me get insurance after cobra coverage ends? 3) My company is less than 20 people. Are my employers still required to pay. Thanks!
A:Most employers that do offer group health plans are required to comply with COBRA. Here is a list of those employers who do not have to comply.
1. Government employers (they must comply with a similar law) 2. Churches or church controlled employers 3. Small business with less than 20 employees’
If your company has less than 20 employees than there plan called a mini COBRA plan that is offered to you by the state. COBRA is a federal law and does not apply to smaller companies.
You need to contact your state Department of Insurance to find specific details regarding their Mini COBRA plan.
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