Surgery and Physical Therapy Coverage Under COBRA
My sister is going for double knee replacement this week. Will COBRA pay for her rehabilitation?
Yes. COBRA continues the same group health insurance you had through your employer, which means major medical expenses such as emergency room visits, surgery, hospital stays, and physical therapy remain covered. The scope of benefits, provider networks, and cost-sharing are the same as they were under your employer-sponsored plan.
What You Need to Know
- COBRA continues the same group health plan you had with your employer, so major medical services such as surgery, pregnancy care, prescriptions, and doctor visits remain covered.
- Your benefits, provider network, and covered services do not change, but you must pay the full premium plus up to a 2 percent administrative fee.
- Coverage details may vary by plan, so review your Summary Plan Description (SPD) or contact the COBRA administrator for exact benefits.
Covered Services
- Surgery and hospital stays
- Emergency room care
- Physical therapy and rehabilitation services
- Specialist visits and follow-up care
- Durable medical equipment, such as crutches or wheelchairs
Other Services Covered by COBRA
- Pregnancy and maternity care
- Prescription medications
- Durable medical equipment, such as crutches or wheelchairs
Check your plan’s Summary Plan Description (SPD) or contact your COBRA administrator for exact details on what is covered under your policy.