COBRA Insurance – What did it cover for us?

Q: My husband and I opted for COBRA coverage in the spring of 2014. He quit his job in April to begin working in another field. Before he could be insured in his new position, he had to work for 90 days.

We needed to be insured during the interim period, so we used COBRA to cover from mid-April through June. However, we have received many medical bills that were not covered during this time, and we aren’t sure why.

Please let us know what your records show for us, and what we can do to make sure COBRA did in fact cover us during that time.

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 for your previous employer to discuss coverage. Sometimes the COBRA Administrator is in the HR department, or can be found by asking the HR Department.

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