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

Where Do I Get COBRA Reimbursement Forms?

Can I receive claim forms online or only thru the mail? My COBRA took a while to kick in, and I had to pay for my prescriptions. I was told to obtain a claim form for those medications that COBRA has not covered and I would be reimbursed.

Since COBRA is not an insurance company, you would have to get your claims information/forms from the actual insurance company that you are currently under. Your COBRA coverage should be the same insurance that you had with your past employer. You will want to check with the insurance plan administrator about claim reimbursement. If you do not know who that is, check with the HR department from the workplace that provides the COBRA health insurance.

How Do You Pay For COBRA?

Depending on the plan administrator, there are two options. Small companies will likely handle the COBRA continuation with the Human Resources department. Larger companies may use a third-party administrator (TPA) to handle enrollment and premium payments. If that’s the case, your enrollment may be online.

COBRA Is Expensive

If you are fairly healthy and still want to remain insured, alternatives to COBRA insurance may be available based on where you live. Short-term health insurance is a popular option and available in most states. This can protect you from high medical costs of new injuries or new illnesses that unexpectedly occur while allowing you to use any licensed doctor. Coverage is available up to $1 million per person. For more information and pricing, you can call us at 1-877-262-7241 or complete a free quote online.

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Short-Term Health Insurance is popular and available in most states to cover gaps between major medical plans.

These plans also cover COVID-19 hospitalization. After deductibles and coinsurance, many plans will have $1 million in coverage.


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