When Will I Get My COBRA Election Notice?
Someone told me that if I quit my job and my employer doesn’t give me a notice saying I can receive COBRA then they would have to pay for medical expenses that I have acquired since then. Is this true?
Employer Has 45 Days To Offer You COBRA
The employer who provides group health insurance has up to 45 days from the last day of coverage to send you a COBRA election notice to enroll back into the same plan. This enrollment notice may come directly from the employer or a third-party administrator they may use to manage health insurance continuation.COBRA Election Notice Instructions
In general, the COBRA election notice informs you on who will now manage your coverage, how to enroll, the premium costs, where to pay and how long the plan is available to you.
The process for obtaining COBRA may be done by hand directly through an employer or online account set up by a third-party administrator.
Employer Penalties
If the employer does not comply with COBRA you can call the Department of Labor at 1-866-487-2365. The DOL may impose fines on companies who do not provide continuation of health insurance per the COBRA law.
COBRA Alternative
Save Up To 70%
Term Health Insurance
Covers An Insurance Gap
Until Your Next Work Health Plan Starts
Shop Plans
Get A Quote & Enroll Online
Or, Call Us
877-262-7241
*Based on age and state availability
If I Have Not Received Any Information Yet, Does It Mean I Am Not Covered?
If I have not received any information yet, does that mean I am not covered? Will there be a lapse in coverage?
You Are Not Yet Covered Under COBRA Until You Make Your Premium Payment
No. Your employer legally has up to 45 days to get to you the information you need to elect COBRA. If you need to seek medical treatment within the time period it takes for you to get information from your employer and the time you sign up and make your payment, you may have to be reimbursed for your treatment. As soon as you sign up for COBRA insurance, (before the deadline) and make your premium payment, your insurance coverage is then retroactively set to the last day you had your health plan. There will be no lapse in coverage.
Retiring Soon? Begin here
If you aren't sure about your Medicare timelines or what Parts you need, contact us.
We provide expert guidance to help you navigate through Medicare and its supplements, ensuring you make the best decisions for your healthcare needs.
Except When Employer Has Fewer Than 19 Workers
A business that employs 19 or fewer workers does not have to comply with the federal COBRA law. Some states have laws that require these small businesses to offer health insurance continuation. The deadline to provide notice to continue the work health plan is handled differently per state.
QUICK CHECK
COBRA Eligibility
#1 Choice For Temporary Medical Coverage
COBRA Third-Party Administrators
Your COBRA plan may be managed by a third-party administrator. Many employers work with the following:
- ADP COBRA
- BASIC COBRA
- BAS' COBRA Control Services
- BenefitConnect EHR
- Businessolver / BenefitSolver
- BRI COBRA (Benefits Resource)
- bswift COBRA
- COBRAPoint Benaissance
- Employee Benefits Corp (EBC)
- HRPro
- Inspira Financial (formerly Payflex)
- iSolved Benefit Services
- Lifetime Benefit Solutions
- Navia Benefit Solutions
- Optum Financial
- Paychex
- Paycom COBRA
- PlanSource
- ThrivePass
- Total Administrative Service Corporation (TASC)
- WageWorks / Conexis
- WEX (formerly Discovery Benefits)
If you are unsure who your plan administrator is, reach out to the human resources department of the company that provided the health insurance you had.
Remain Insured
Accident Only plans start at $44/mo
Short-Term Medical low as $80/mo
Call us
877-262-7241
Get A Quote, Enroll Online
Shop Plans