What Happens After 18 Months On COBRA?
What do I do when my COBRA runs out?
Since the Affordable Care Act, running out of COBRA continuation coverage is now a “qualifying life event,” which means that you now have a “special enrollment period” in which you may enroll in an insurance plan outside of open enrollment. This means that you can sign up for an insurance plan on the public or private health exchange. Or, if you have a new employer, you can sign up for their group health plan if they offer one, as long as you have met their waiting period to join their group health plan.
Contact Your Plan Administrator If You Have A Disability
While on COBRA, if you are deemed disabled within the first 60 days, an extension may be given. You’ll need to contact the plan administrator for more information.
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
- BenefitSolver COBRA
- Burnham & Flower
- BRI COBRA (Benefits Resource)
- bswift COBRA
- COBRAPoint Benaissance
- Employee Benefits Corp (EBC)
- Lifetime Benefit Solutions
- Navia Benefit Solutions
- Optum Financial
- Paycom COBRA
- 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.
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