ody Q: I have been receiving COBRA benefits. When I first signed up for benefits, I elected to keep my medical and dental insurance. However, I now have a new job that will offer me medical insurance but not dental insurance. As a result, I would like to drop my COBRA medical insurance but keep my dental insurance. I spoke with one of your representatives on the phone this afternoon who said I would be able to do this, but she couldn’t explain to me how the new billing would work. Currently, my medical insurance and dental insurance is combined into one invoice, so my preference would be to receive a new invoice just for dental only, so it is clear that I am paying the full amount and my coverage doesn’t get dropped. Is it possible to get a new invoice for my current payment? The representative on the phone said I could not do this until I dropped my medical insurance, so I am confused as to why I cannot simply get separate invoices right now in case I choose only to continue my dental for this current period.
A: The reason our representative couldn’t tell you about your invoice is because we are NOT COBRA.
COBRA is not an insurance company.
COBRA is a federal law that requires employers with 20 or more employees to offer the continuation of the same group health care coverage after you’ve voluntarily or involuntarily left your job, or have had your work hours reduced.
Because COBRA is simply the continuation of the same coverage you had through a previous employer, you would need to contact the COBRA Administrator for your previous employer to discuss cancelling certain parts of COBRA, or how you would like to receive invoices. They are the ones who deal with your invoices, checks, and coverage.
We offer alternatives to COBRA continuation because it can be so expensive. Click href=”http://cobrainsurance.com/ here for a quote, or call us at 1-877-279-7959 (8am-5pm CST) and we can help you find an alternative plan.