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  2. Getting Started With COBRA
  3. How To Apply For COBRA

How Do I Apply And Enroll In COBRA Insurance?

If I leave my current employer my insurance coverage will remain until May 31st. I would sign up for COBRA coverage as of June 1st to not have any gaps in coverage. How would I go about getting COBRA insurance?

The term “COBRA insurance” refers to the same workplace health insurance you had through an employer.

To “sign up for COBRA” means you will enroll back into your former plan by the employer’s human resources department or their third-party administrator.

Application Process For Enrolling In COBRA

As COBRA is the same employer-based health plan, you work with the previous employer or their designated third-party administrator to enroll in your plan.

Step 1

Read the COBRA enrollment notification sent to you by the human resources department or the employer’s third-party administrator that explains the coverage and how to enroll back into your health plan.

You should receive it within 45 days of your coverage ending.

Step 2

Enroll in COBRA by completing your enrollment online or sign up by paper application and mail it back to the employer.

You will have 60 days to elect COBRA continuation.

Please note: COBRA is a federal law. Not an insurance company or a particular plan.

Missing Your Election Notice?

If the work health insurance you had was with an employer who had 20 or more workers, you should expect to see COBRA paperwork within 45 days from the insurance termination date. If your enrollment application has not arrived or you’ve lost it, you will need to contact your plan administrator to get a new one.

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What Is COBRA?

COBRA is a federal law that requires businesses with 20 or more full-time employees to make available their group major medical plan to former workers and their families should that insurance stop due to a qualifying event.

Why Sign Up For COBRA?

Your former work health insurance is Affordable Care Act certified. The most important reason to get COBRA is, that it’s a major medical policy that provides coverage for pre-existing conditions that result in procedures and visits to medical providers.

The Cost Of Coverage

Expect the COBRA premium to cost the same as major medical insurance, also known as Obamacare, which averages $400 – $700/month, per individual. You can calculate your monthly cost based on your previous paycheck contributions and the amount the employer had subsidized.

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We are private insurance company that publishes information on the COBRA law. Additionally, we provide alternative temporary insurance options if continuation is unavailable or too expensive.

You Can Save Money With An Alternative

If you are in good health, the health marketplace will have lower-cost alternatives to COBRA for new illnesses and injuries only.

COBRA Deadlines

Here are the deadlines for getting started on COBRA after your work health insurance terminates:

  1. Your employer’s work health insurance ended due to a qualifying event
  2. Within 45 days of the qualifying event, the employer sends you an election notice to restart your workplace insurance
  3. Within 60 days of the election notice, you may choose to enroll back into your health plan where the coverage will pick up back up after making your first premium payment
  4. Your copays, coinsurance, deductibles, out-of-pocket expenses and insurance cards for the year stay the same
  5. You have 45 days to make your first COBRA premium payment
  6. The coverage is retroactive and any medical expenses you incur before the COBRA plan starts may be submitted for reimbursement

Employer Election Notice Of COBRA Must Be Sent Within 45 Days

Applying for COBRA continuation of previous health benefits begins with the employer who sponsored the insurance to notify you. The employer has 30 days to notify the group health plan of the qualifying event. After that, the employer has 14 days to notify you of your COBRA right to keep your work health insurance. In total, the employer has within 45 days to send the COBRA election notice to continue your health plan.

You Have 60 Days To Sign Up For COBRA And Enroll

Once you receive your COBRA enrollment forms from your previous employer, you have 60 days to send back the election form. If you have questions regarding the application, you’ll want to reach out to the employer’s human resources department and ask for the COBRA Administrator.

Your COBRA coverage is retroactive to the date of your job loss (or when the former insurance would have ended). As long as you submit the enrollment papers and premium payments, there will not be a lapse or gap in your coverage. These legal rights are made possible by the Consolidated Omnibus Budget Reconciliation Act of 1985, otherwise known as COBRA.

When Does Coverage Begin?

Your COBRA insurance will start immediately after making your first premium payment. Once you elect to continue the employer group health plan, your benefits will be retroactive to the date your coverage would otherwise have stopped. If you have out-of-pocket expenses between the time the coverage stopped and then started, you may be reimbursed by your carrier.

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