Emergency Room Coverage Under COBRA

  1. Knowledge Base
  2. Starting COBRA
  3. Covered Service: Emergency Room
If I have an accident and need to go to the emergency room, am I covered?
Yes. If your employer’s group health plan covers emergency room visits, COBRA will continue that coverage. Because COBRA is continuation of the same health insurance you had before your employment ended, the benefits, provider network, and cost-sharing for ER visits remain the same.

Your Doctors, Clinics, Hospitals, and Prescriptions Are Covered Under COBRA

When you elect COBRA continuation of your former employer’s group health plan, you keep all the same benefits you had before. This includes your prescription drug coverage as well as access to the same hospitals, clinics, and doctors. Coverage also continues for emergency room visits, urgent care, and ambulance transportation.

Your plan benefits and network do not change while you are on COBRA.