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Q:  I voluntarily left my job due to harassment. They have over 20 employees and they certainly have to offer insurance. However, I never received any information regarding this offer. My insurance expired June 30th and I had no idea about cobra until a friend told me about it. Any suggestions? Or is there a number I can call in order to ask these questions?

A:  If there is more than 20 employees and there is still a group health plan in force, than Cobra should be an option to you.  You are not eligible for the reduction or the stimulus for Cobra because you left voluntarily but to enroll into Cobra you need to contact your past employer. 

We are a provider of Cobra information and Alternative Solutions.   We are not affiliated with Cobra.  Cobra is NOT a company, but a federal law that allows you to continue on the previous employer’s group health insurance plan.   If you need to elect Cobra or are finding out more information regarding your Cobra Benefits, you must contact your employer.  They send out a packet for you to continue (or extend) your current health coverage. 

There will be NO lapse in your coverage if you elect Cobra with your past employer. Cobra goes back retro-active once you sign up within the time frame listed in the packet.  It WILL cover all pre-existing conditions since it is the same health plan you had.  If you are pregnant or are seeking treatment for any type of health conditions, you really should consider continuing on Cobra.  This will be your only option to have coverage for any pre-existing condition.