American Rescue Plan Act of 2021’s COBRA Subsidy Ends September 31. What’s next?

Cobra Coverage Retroactively Feb 2015

ody Q: For the past few weeks, I have made several phone calls to COBRA seeking retroactive health insurance coverage for myself and my wife, Rachel, for the period February 25-28, 2015. In this regard, when I left my employment with A************s on February 13, I was told that the group plan covering me and Rachel would remain in effect through the end of the month. That coverage was cancelled, however, on February 25. This administrative error became a problem for me when Rachel required emergency room care at **************** Hospital on February 27. I am seeking retroactive coverage under COBRA in conjunction with the cost of those services.

A: 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 at your previous employer to discuss retroactive coverage. Typically, the COBRA Administrator is in the HR department, or someone in the department can tell you who to contact.

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