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  2. COBRA Carriers

What Insurance Carriers Provide COBRA?

I’d like to get COBRA for a few months. Which health insurance companies offer it?

COBRA is not a specific health plan. It is the same work health plan you’ve been on while employed.

The law allows you to have access to that group health plan after the primary on the plan no longer works for the company.

After you separate employment, you will receive a notice from the employer on how to remain on that health plan. You’ll pay the full premium of the COBRA, as your employer no longer pays a portion of it.

Companies That Provide Group Health Insurance

Group health insurance is the same as your employer’s health plan. The following insurance companies provide major medical health insurance to employer groups:

COBRA Eligibility

When Can I Apply For COBRA Coverage?

Your former employer has up 45 days to send your COBRA continuing coverage election paperwork. This packet of information will give you the cost of your COBRA plan, how to enroll and where to make your premium payments. The law requires your former employer to give you a 60 day open enrollment period to choose to continue your current employer health plan or waive COBRA coverage.

More details on COBRA and how it works.

When Does Coverage Begin?

Your COBRA insurance will start immediately after making your first premium payment. Once you elect to continue the employer group health plan, your benefits will be retroactive to the date your coverage would otherwise have stopped. If you have out-of-pocket expenses between the time the coverage stopped and then started, you may be reimbursed by your carrier.

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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:

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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