Q: I worked for a doctor with 7 employees but we had Blue Cross through Med Association of AL. Am I eligible for cobra?
A: If the employer has less than 20 employees they may choose to provide group continuation coverage to an employee.They are not subject to COBRA laws.The employer is no longer responsible for paying; it will now be the employee’s responsibility for paying the entire cost of the insurance. Some states offer a Mini-COBRA for employers with less than 20 employees.A state issued mini-COBRA is similar to Federal COBRA and each state has their own requirements and rules. To find out if a mini-COBRA is available in your state go to www.naic.org
If you are interested in an Alternative to COBRA, Click Here for more information.
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