How Do I File For A Reimbursement For Out-Of-Pocket Expenses With COBRA?

Before your COBRA coverage starts: In general, you cannot file claims for reimbursement until your COBRA coverage is active. If you paid out of pocket for a medical service during the time you were eligible but not yet enrolled, you can can submit those claims once your COBRA is retroactively activated. COBRA coverage often starts from the date you lost your job-based insurance, as long as you enroll and pay on time.

After your COBRA coverage is active: Submit claims for reimbursement directly to your health insurance company, not to the COBRA administrator. Use the same process you followed when you were covered through your employer. You may need to include a copy of your Explanation of Benefits (EOB), receipts, or a reimbursement form. Contact your insurance carrier to confirm their process.