Cobra Election and Rejection

Q: I was eligible for Health and Dental insurance under Cobra. I elected to continue each on separate dates. Since the Administrator of the plans made an error and did not notify the insurance companies, I sent them an email stating that I am rejecting both health and dental continuation and requested a refund. The Administrator acknowledged my email and informed me that a refund would be processed. (I elected to continue my participation in FSA since I had unspent money in that plan.)

I have now changed my mind and would like to enroll in health and dental via Cobra. My understanding is that since I sent a rejection notification, my coverage will now begin when I send the new election form and payment.

My question is: Is my assumption correct / What is the proper effective date that should be applied when I now enroll?

A: Yes, coverage will begin on the date you revoke the waiver of COBRA (meaning the day you elect it).

Be careful though: There are still time limitations. You only have 60 days from the initial date of the loss of coverage to elect COBRA. After that time, you cannot get COBRA.

Also keep in mind, COBRA continuation can be very expensive. We have alternative COBRA plans available.

Remember too that being eligible for COBRA is also a qualifying life event that triggers a special enrollment period. That means you can get a qualified health plan from a public or private exchange. We can also help you with this.

Click href=” here for a quote, or call us at 1-877-279-7959 (8am-5pm CST) and we can help you find a solution.

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