Ohio COBRA Insurance
In addition to the federal COBRA insurance coverage, the state of Ohio 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 Ohio.
Eligibility: In order to be eligible for Ohio COBRA insurance, you must have been covered by the employer group health insurance plan employment loss for at least 3 months, have a qualifying event that entitles you to COBRA insurance, be eligible for unemployment insurance, and have been terminated involuntarily. You also can not qualify for federal COBRA insurance. As with federal COBRA laws, your beneficiaries are also eligible for COBRA insurance in Ohio. You are not eligible for Ohio COBRA insurance if you are eligible for Medicare or if you qualify for another group health insurance plan.
Signing Up: To sign up for the Ohio COBRA insurance coverage, you must apply in writing after employment loss. 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: Ohio COBRA insurance covers you for 6 months from the day your group health insurance plan stopped coverage. This applies to former employees, spouses, and dependents.
Termination: Ohio COBRA insurance can be terminated for a variety of reasons. The most common reasons for termination of Ohio COBRA insurance coverage is failure to pay premiums, termination of the group health insurance plan by the employer.
For help signing up for Ohio COBRA insurance, you may consider contacting the following state agencies.
Ohio Department of Insurance
50 W. Town Street, Suite 300, Third Floor
Columbus, OH 43215
Phone: (614) 644-2658
Consumer Hotline: (800) 686-1526
U.S. Department of Labor Employee Benefits Security Administration
Cincinnati Regional Office
1885 Dixie Highway, Suite 210
Ft. Wright, KY 41011-2664
Phone: (859) 578-4680
Fax: (859) 578-4688
Frequently Asked Questions
What other options do I have if I don't qualify or want state sponsored COBRA insurance?
There are many other options for health insurance, many of which are less expensive than typical COBRA plans: Alternatives to COBRA.
Is there a COBRA application form I can download?
No. COBRA enrollment forms have to be provided by the employer and group health insurance provider. The election forms, although they contain similar information, contain specific individual information about your plan, the premium, and who is covered so they have to be provided by the employer or group health insurance plan. You should receive this from your employer, as it is their legal obligation to provide the COBRA insurance application, but if your are concerned you should reach out to your employer and request the application.
Are there good COBRA insurance alternatives if I have a preexisting condition?
Likely, COBRA insurance will be your best option if you have a preexisting condition. However it is always worth it to explore alternative options and explain your condition to find out if there is a cheaper option even though you have a preexisting condition. Either way, it is incredibly important to keep some type of medical insurance.
Can my COBRA insurance premiums change?
Yes. Since COBRA insurance is just a continuation of your group health insurance plan, any changes to that plan, including an increase or decrease in premium costs, will also affect your premium cost under COBRA insurance. Your bill will reflect any changes in costs for the premium. COBRA insurance premiums cannot be locked in at any point.
Where do I send my monthly COBRA insurance premiums?
Since COBRA insurance is the law that allows you to maintain your health insurance not the actual insurance, you will send the monthly premiums to your group health insurance company. This is the same one that you had when you were employed. Normally the address is located on your COBRA election form and if you can no find that, you can call your former employer or the health insurance provider.
Can I be denied COBRA insurance if I have a preexisting condition?
No. As long as your were receiving health insurance in your previous job and meet all of the federal COBRA insurance requirements than you can no be denied COBRA insurance because of a preexisting condition.
Am I eligible for COBRA insurance if my company has under 20 employees?
Unfortunately you are not eligible for COBRA insurance under the federal law if your company has less than 20 employees. However, many states have created extended COBRA insurance benefit laws that apply to people who work for companies with between 2-19 employees. Learn more about COBRA continuation state policies.
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.
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.
Is it hard to find a new doctor if I sign up for COBRA insurance?
Since COBRA insurance is just the law that allows you to continue to maintain your group health insurance plan, finding a doctor will be the exact same as it was on the plan you had while you were working. Remember COBRA just allows you to keep that plan. This means that you can keep all the same doctors and finding a new doctor falls under the same restrictions as it did while you were employed.