Illinois COBRA Insurance
In addition to the federal COBRA insurance coverage, the state of Illinois also offers an extended COBRA insurance plan for employees at companies with between 2-19 employees. This means that even if you do not meet the requirements for federal COBRA insurance, you may still be eligible for COBRA insurance coverage in Illinois. This law is called Illinois Health Insurance Continuation Rights Law.
Eligibility: In order to be eligible for Illinois Health Insurance Continuation insurance coverage, you must have been covered by the employer group health insurance plan employment loss and have a qualifying event that entitles you to COBRA insurance. You also can not qualify for federal COBRA insurance. As with federal COBRA laws, your beneficiaries are also eligible for COBRA insurance in Illinois. You are not eligible for Illinois Health Insurance Continuation insurance if you are eligible for Medicare or if you qualify for another group health insurance plan.
Signing Up: To sign up for the Illinois Health Insurance Continuation insurance coverage, you must apply in writing 10 days before your coverage is scheduled to end. You also must pay the COBRA premium in advance. Your employer and the group health insurer should provide you with an election notice for COBRA insurance when your employment ends, however you should immediately reach out to your insurer if you do not receive notification.
Length of Coverage: Illinois Health Insurance Continuation insurance covers you for 9 months from the day your group health insurance plan stopped coverage. Your dependents can be covered for a time period of up to 2 years. This applies to former employees, spouses, and dependents.
Termination: Illinois Health Insurance Continuation insurance can be terminated for a variety of reasons. The most common reasons for termination of Illinois Mini COBRA insurance coverage is failure to pay premiums, termination of the group health insurance plan by the employer.
For help electing for Illinois Health Insurance Continuation insurance, you may consider contacting the following state agencies.
Illinois Division of Insurance - Office of Consumer Health Insurance
320 West Washington Street
Springfield, Illinois 62767
U.S. Department of Labor Employee Benefits Security Administration
Chicago Regional Office (Northern IL)
200 West Adams Street, Suite 1600
Chicago, IL 60606
Frequently Asked Questions
Does COBRA insurance cover dental insurance as well?
If your previous health insurance plan with your previous employer including dental insurance then in most cases you will be able to continue to receive dental insurance with COBRA. When you receive your COBRA insurance election form, you will have to list what type of insurance you wish to continue with COBRA and who you want to be covered. If you wish to continue to have your dental insurance, make sure to mark this on the form. You will have to then pay the dental insurance premium along with the health insurance premium.
Can I keep COBRA insurance even if my new job offers health insurance?
Sometimes people may find a new job but still would like to stay on their previous plan with their former employer under COBRA because they prefer that plan. This is completely possible under COBRA insurance laws as long as you do not sign up for the new insurance. However, when your COBRA insurance benefits run out, you will likely want to sign up for your new employers health insurance plan or find a private plan.
Can my health insurance plan change while covered under COBRA insurance?
It can. Since COBRA insurance is a law that permits someone to continue to have their previous health insurance plan, any changes to that plan will also change your health insurance plan under COBRA insurance. You should be notified of any of these changes and you can drop the policy at any time or seek our COBRA insurance alternatives.
Who is eligible for COBRA insurance in my family?
If you are a covered employee under the COBRA insurance law, then generally anyone who was previously covered in your health plan will continued to be covered if you elect COBRA medical insurance. These generally includes your spouse, children, and any other dependents.
Can I cover my children with COBRA insurance and not myself?
When you receive the COBRA insurance election form, you will have an option to choose who you want to be covered under the COBRA insurance continuation of your group health insurance plan. This means that you can choose to cover only your children, only your spouse, only yourself, or any combination depending on your needs.
You may want to consider who needs to keep the current health insurance plan under COBRA insurance the most (i.e. someone with a preexisting condition or someone who needs consistent medical care) and cover other family members on a less expensive plan.
Why would I apply for state sponsored COBRA health insurance?
The most common reason that someone would apply for a state sponsored COBRA insurance plan is because they do not qualify under the federal COBRA insurance laws. In many states, there are state sponsored programs often called Mini COBRA laws or COBRA continuation laws which extend COBRA benefits to people who work at companies of between 2-19 employees and wouldn't be eligible under the federal law.
Should I sign up for COBRA insurance if I only need insurance for a month?
As long as your new insurance will kick in within the 60 day window you have to elect to sign up for COBRA insurance, there is no need to sign up for COBRA insurance. The reason for this is that you elect to sign to sign up for COBRA insurance on the 60th day, your health insurance will be retroactive until the last day of your employment. That means that if for any reason you got sick or needed medical attention during the 60 days, you could then just pay the premium and be covered for those expenses. If you don't end up needing medical attention in those 60 days then you didn't waste the money paying for the two months of premiums. Essentially, you would actually never be without coverage, since you can activate it at any time within the 6o days and cover the full term.
Your other option would be to sign up for a short term health insurance plan, which can be anyway from 1 day to 1 year, at a much cheaper rate than COBRA. This would cover you for any major medical costs.
Can I keep the same health insurance plan with COBRA insurance?
That is exactly what COBRA insurance is for. COBRA insurance actually refers to the law that was passed in 1985 and not to a specific type of insurance. The law allows you to keep your current health insurance plan as long as you meet federal requirements which means that yes, you can and will keep the exact same health insurance plan.
Are my children covered under COBRA insurance laws?
If your children were covered under your previous health insurance policy and you qualify for COBRA insurance so you can continue to receive your group health insurance, then your children will be covered as well in almost all cases. You can check by looking at your COBRA insurance election form or contacting your health insurance administrator.
Where do I get the COBRA insurance application/enrollment form?
The application for COBRA insurance, also know as the enrollment of election form, should be provided by your employer within 45 days of your last day of work. You can not use a generic form found online to elect COBRA medical insurance so you must reach out to your employer or health insurance company for the form. If 45 days have passed and you are sure you qualify for COBRA insurance, reach out to the Department of Labor at 866-444-3272.