Q: I will need Cobra because I"ll be leaving my current job and moving to a different state. I will be without work for a few months and wanted to know if moving to a different state will affect my coverage.
A: If there are more than 20 employees at the job you are leaving, then that employer has to offer you a continuation of the same group health plan for duration of up to 18 months. Employers must offer alternative coverage to qualified beneficiaries that will be moving outside their insurance coverage area. The employer must make the alternative coverage available before on by the date the beneficiary moves, or if it is later, than the first day of the month following the month you made the request to move and needed alternate coverage.
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