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| Changing coverage when going onto Cobra |
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Q: I currently have PPO coverage through my employer. If I leave my company and go on COBRA, can I change my coverage to HMO so that I can lower my premiums, or do I have to keep the same coverage I have now? Thank you.
A: COBRA is going to be a continuation of the same group health plan that you were on the day before your insurance was terminated. If you need to make changes to your plan you may need to make those changes at re-enrollment or open enrollment time, the same as all active employees. Check with your Human Resource manager for specific details. You will be sent an election form in the mail when your current coverage has been terminated. At that time you can choose your coverage, such as dental, vision and if you want to make beneficiary changes.
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