Can I Continue COBRA When I Move Out Of State And My Wife Is Pregnant?
I have a question regarding COBRA coverage. I work for company a in Michigan, and if I leave this company and move to Illinois then would I be covered and if my wife is pregnant will she be covered? Secondly, I have my wife and myself covered under this policy and what will happen when baby is born, will baby be covered in that policy? I will appreciate your reply.
If there are more than 20 employees at the job you are leaving, then that employer has to offer you a continuation of the same group health plan for duration of up to 18 months. Employers must offer alternative coverage to qualified beneficiaries that will be moving outside their insurance coverage area. The employer must make the alternative coverage available before the date the beneficiary moves, or if it is later, than the first day of the month following the month you made the request to move and needed alternate coverage.
Pregnancy Is Covered Too
The pregnancy would be covered if the group health policy had coverage for it at the time you applied for COBRA. Additionally, a qualified beneficiary can add a newborn baby to their COBRA coverage. The newborn will become a qualified beneficiary and be entitled to the same coverages as the employee.
COBRA Third-Party Administrators
Your COBRA plan may be managed by a third-party administrator. Many employers work with the following:
- ADP COBRA
- BASIC COBRA
- BAS' COBRA Control Services
- BenefitConnect EHR
- BenefitSolver COBRA
- Burnham & Flower
- BRI COBRA (Benefits Resource)
- bswift COBRA
- COBRAPoint Benaissance
- Employee Benefits Corp (EBC)
- Lifetime Benefit Solutions
- Navia Benefit Solutions
- Optum Financial
- Paychex
- Payflex
- Paycom COBRA
- PlanSource
- Total Administrative Service Corporation (TASC)
- 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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