cobra insurance logo

COBRA is a federal law.
Not an insurance company.

cobra insurance logo

COBRA is a federal law.
Not an insurance company.

COBRA Insurance Logo

COBRA is a federal law.
Not an insurance company.

Health Insurance Marketplace

Need a COBRA Alternative?
Compare plans, get a quote and enroll securely

Short-Term Medical | Accident Medical | Dental | Vision | Telehealth

Call Laurie For A Health Insurance Consult

608-314-2145

GET A QUOTE
TEMPORARY HEALTH INSURANCE

COBRA Information

You start COBRA with a previous employer that you had medical insurance with. This is a continuation of the same plan you had.

COBRA Costs $400 – 700/month, per individual
It’s a great solution if you have pre-existing conditions, take prescription medications or visit the doctor often.

Learn more about getting COBRA.

About COBRAinsurance.com

COBRAinsurance.com is a nationally licensed and recognized health insurance agency looking to sincerely help people access and understand insurance. Over the past 20 years, over 4 million people have obtained insurance through SASid, Inc technologies.

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Short Term Medical Insurance

New Illnesses & Injury Coverage

Flex term short term medical insurance

Plans begin at $80/month.
Based on age and state availability

The FlexTerm Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness.

Coverage begins as early as midnight tonight.

Accident Only Insurance with Telehealth

Plans start at $44/month.
Based on age and state availability

Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.

Includes Telehealth giving you access to prescribing doctors for common issues.

Limited Indemnity with Telehealth

Includes Telehealth giving you access to prescribing doctors for common issues.

Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.

Coverage begins as early as midnight tonight.

Dental Insurance

The Core Dental Insurance plans can provide coverage for preventive, basic and major dental expenses with the dentist of your choice. Also, some plans include additional benefits like vision, hearing, orthodontia, teeth whitening, Dental Rewards® and more.

Core Dental Insurance is a private Ameritas Dental Plan.

Vision Plans

EyeMed is the leader when it comes to vision insurance.  EyeMed Advantage Network is made up of over 44,000 independent and retail in-network provider access points including 1000’s of national retail providers like LensCrafters, Pearle Vision, Sears Optical and Target Optical.

EyeMed Vision Insurance is smart to have.

Telehealth

Telehealth

MDLive is a non-insurance, Telehealth subscription that provides 24 hours a day, 365 days a year access to a network of U.S. Board Certified physicians who can diagnose, recommend treatment, prescribe or refill prescriptions for routine conditions.

Call 608-314-2145 and get 2 months free.

What Is COBRA?

COBRA is a federal law. Not an insurance company or a particular plan. The term “COBRA insurance” refers to the same workplace health insurance you had, except the employer is no longer subsidizing a portion of it. You restart your work health insurance by responding to an election notification you will be sent. Expect the COBRA premium to be a similar cost of major medical insurance, which averages $400 – $700/month, per individual.

What Are The Steps To Get COBRA Insurance?

In simple terms, this is how COBRA insurance works:

  1. Your employer 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 45 days to send the COBRA election notice to continue your health plan.

You Have 60 Days To Sign Up For COBRA

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.

Temporary Health Insurance Solutions

If COBRA coverage is unavailable or if you simply can not afford it, you can get alternative health coverage for new illnesses or injuries.

Many people will enroll in Short-Term Medical insurance or an Accident Only plan to “get by” until their next major medical insurance starts. This type of insurance is also known as “gap insurance”.

These plans are not for everyone, but may be a good choice for you if:

  • You have no pre-existing conditions.
  • Want to stay insured at a lower cost.
  • You are not pregnant or plan on becoming pregnant soon.
  • Have had no recent health problems.
  • Have not received any advice from medical professionals advising you to undergo a medical procedure in the future.
  • When you need health insurance and it’s not yet a federal open enrollment period to enroll in a qualified health plan.

Health Insurance Marketplace

Need a COBRA Alternative?
Compare plans, get a quote and enroll securely

Short-Term Medical | Accident Medical | Dental | Vision | Telehealth

Call Laurie For A Health Insurance Consult

608-314-2145

GET A QUOTE
TEMPORARY HEALTH INSURANCE

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