I am thinking of quitting my job. I am HIV+ and currently have an HMO coverage which includes prescription coverage. Three questions: 1) Can I still receive 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!
Having HIV Does NOT Disqualify You From COBRA
- Quitting your job is a qualifying event for COBRA. Your medical history can not preclude you from eligibility.
- COBRA is a federal law that allows you to continue on your employer’s insurance for 18 months. After you quit, expect a COBRA enrollment packet from your employer within 45 days. At that point, you will need to make other arrangements for health insurance.
- The federal COBRA law applies to business that employ 20 or more fulltime employees. Your state may have insurance continuation laws that apply to business’ with 19 or fewer.
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