Does COBRA Cover Mental Health?
My girlfriend is currently in appeal for SSI and unable to work with no dependents, She was refused by Nebraska health and human services. her disability attorney tells her she needs to be on her medications to continue her appeal, but with no insurance or income she is unable to afford a visit to psychiatric doctor, much less the medications that she needs. Is there anything we can do?
Yes, COBRA Covers Mental Health Conditions
COBRA will cover mental health appointments and prescriptions if it was part of the group health coverage she previously had. If so, the medical insurance continuation would cover mental health and psychiatric concerns.
Don’t Enroll Late
If she is within 60 days of losing employer health insurance, then she may still be eligible for COBRA.
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COBRA Eligibility
Pre-Existing Conditions Are Covered By COBRA
The insurance you are on after electing COBRA is the same insurance you had previously through an employer-sponsored health plan. The benefits you had previously, will apply to you moving forward for the 18 or 36 months you are eligible for COBRA. This means your pre-existing conditions are covered while on COBRA continuation.
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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*Eligibility for short term medical insurance is based on age and state availability.
