I requested COBRA from my former employer but he canceled my coverage. Do I have any rights in this or can he just cancel it? I live in Maryland. Thank you.
There are many reasons why your existing COBRA coverage can be canceled:
- If you contact your past employer to notify of termination.
- If you fail to make an election during the election process
- If you obtain group health insurance with a new employer
- Became eligible for Medicare
- If you complete the full 18, 29, or 36 months of coverage
- If you fail to make your premium payment on time.
If you do not have an existing COBRA coverage, you should receive COBRA election paperwork in the mail after your group health plan has been terminated. Your former employer has up to 45 days to send the information about insurance continuation.
COBRA is a federal law and the Department of Labor enforces that law. If you have specific legal questions you can visit www.dol.gov for more information.
When To Consider An Alternative To COBRA
If you are good health, you could save a hundreds of dollars off your COBRA with an individual short-term plan. These plans do not cover pre-existing conditions, but can be a smart option when in between jobs or a more affordable solution. There are several reasons why you should choose COBRA or Short-Term insurance for you to research.
Temporary Health Care Solution
If you are fairly healthy and still want to remain insured, alternatives to COBRA insurance may be available based on where you live. Short-term health insurance is a popular option and available in most states. This can protect you from high medical costs of new injuries or new illnesses that unexpectedly occur while allowing you to use any licensed doctor. Coverage is available up to $1 million per person. For more information and pricing, you can call us at 1-877-262-7241 or complete a free quote online.