Can I Use COBRA More Than Once?
Can I use COBRA more than once?
You May Only Use COBRA One Time For Each Qualifying Event That Stops Your Health Insurance
COBRA continuation lasts for up to 18 months (in some situations a dependent can continue for up to 36 months) and is available each time your employer-sponsored health insurance would end due to a qualifying event.
Mini-COBRA Is Available In Some States
If you lost your employer’s group health plan, many states have a mini-COBRA law that would be available if your employer has 19 or fewer employees. Each time you have a qualifying event, you may use federal COBRA or state continuation laws.
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COBRA Third-Party Administration
Your COBRA plan may be managed by a third-party administrator. Many employers work with the following:
- ADP COBRA
- BASIC COBRA
- BenefitConnect EHR
- Burnham & Flower
- BRI COBRA (Benefits Resource)
- COBRAPoint Benaissance
- Employee Benefits Corp (EBC)
- Lifetime Benefit Solutions
- Navia Benefit Solutions
- Total Administrative Service Corporation (TASC)
- Paychex
- Payflex
- Paycom COBRA
- PlanSource
- 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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*Eligibility for short term medical insurance is based on age and state availability.
