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Will COBRA Cover My Pre-Existing Conditions?

Is there a pre-existing conditions clause with COBRA or am I covered?

Yes, COBRA Does Cover Pre-Existing Conditions

There is no pre-existing condition clause that would prevent your from receiving treatment. When you sign up for COBRA, you are actually continuing the same group health insurance that you had with your past employer. So, if your medical conditions were covered under that plan they will continue to be covered under COBRA.

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COBRA Eligibility

Short Term Medical Insurance Does Not Cover Pre-Existing Conditions

Short-term health insurance is an affordable alternatives to COBRA and typically do not cover pre-existing conditions. We recommend staying on your existing employer’s insurance if you expect major medical expenses while in between health plans. 

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Common Third-Party Administrators

Your COBRA plan may be managed by a third-party administrator. Many employers work with the following:

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*
with coverage starting tomorrow!

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Temporary health insurance is a popular, affordable solution to cover gaps in coverage while you are between Major Medical plans.


*Eligibility for short term medical insurance is based on age and state availability.

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