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  4. Where Do I Get A COBRA Election Form?

Where Do I Get A COBRA Election Form To Enroll In A Plan?

Where do I get the COBRA election form to complete? My employer says I need to send in soon.

The COBRA continuation coverage election form should have been sent to you by the employer’s human resources department or the company may have hired a third-party administrator to enroll you into COBRA benefits for them. Your employer or administrator has only 45 days to send you the paperwork. You have 60 days to elect coverage once you receive the form.

What If I Did Not Receive A COBRA Election Notice

We recommend working with the employer’s human resources department. Call and ask them to resend the health insurance continuation election form. They may refer you to their third-party administrator.

How Much Will My COBRA Premium Be?

As COBRA insurance is the same insurance you previously had, the premium is the same. The difference is the employer is no longer paying a portion of it. On average, this may cost $400 – $700/month per individual. Review your election notice for exact costs.

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What’s Required In A COBRA Election Notice?

What information will my employer send me about COBRA coverage?

The COBRA notification may come from your former employer or a third-party administrator that will manage that plan moving forward. Your COBRA election notice will contain all of the information you will need to continue your health plan.

The election notice should include:

Resource: An Employer’s Guide To Group Health Continuation Coverage Under COBRA

What Happens When The Employer Fails To Comply?

The recommendation is to first try to work it out directly with the human resources department that provides the insurance. If you meet resistence with the employer on starting COBRA, you may call the Department of Labor to file a complaint.


COBRA Eligibility

COBRA Third-Party Administrators

Your COBRA plan may be managed by a third-party administrator. Many employers work with the following:

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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