Comprehensive COBRA Insurance Information

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Pennsylvania COBRA Insurance

In addition to the federal COBRA insurance coverage, the state of Pennsylvania also offers an extended COBRA insurance plan for employees at companies with less than 20 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 Pennsylvania. This law is called Pennsylvania Mini COBRA insurance or Pennsylvania COBRA.

Eligibility: In order to be eligible for Pennsylvania Mini COBRA coverage, you must have been covered by the employer group health insurance plan at the time employment ended or the qualifying event occurred. You also can not qualify for federal COBRA insurance. As with federal COBRA laws, your beneficiaries are also eligible for COBRA insurance in Pennsylvania. You are not eligible for Pennsylvania Mini COBRA insurance if you are eligible for Medicare or if you qualify for another group health insurance plan.

Signing Up: To sign up for Pennsylvania Mini COBRA insurance coverage, your employer or insurance provider must notify you within 30 days that you are eligible for Pennsylvania Mini COBRA insurance. You then have 30 days to sign up. Florida Mini COBRA insurance, unlike federal COBRA insurance, is handled individually by the health insurance provider, therefore each insurer may have slightly different forms and specific sign up requirements. You can always contact the health insurance provider for support in completing these forms.

Length of Coverage: Pennsylvania Mini COBRA insurance covers you for 9 months from the day your group health insurance plan stopped coverage. This applies to former employees, spouses, and dependents.

Cost: Pennsylvania Mini COBRA insurance costs are based on the insurance premium cost under the group insurance plan you participated in as an employee. Depending on your employer, they may have paid the entire premium or part of the premium. Under Pennsylvania Mini COBRA insurance benefits, you will be responsible for paying the 105% of the premium. Although this may seem high, it is still significantly less than you would pay for similar heath insurance coverage if you bought individual health insurance. It is also important to know that when you sign up for Pennsylvania Mini COBRA insurance, you will be responsible for any monthly premiums retroactively since the date of employment loss since the coverage covers that entire period.

Termination: Pennsylvania Mini COBRA insurance can be terminated for a variety of reasons. The most common reasons for termination of Pennsylvania Mini COBRA insurance coverage is failure to pay premiums, termination of the group health insurance plan by the employer.

For help signing up for Pennsylvania MIni COBRA insurance, you may consider contacting the following state agencies.

Pennsylvania Department of Insurance
Office of Consumer and Producer Services
1209 Strawberry Square
Harrisburg, PA 17120
Phone: 717-787-6174
Fax: 717-787-8585
http://www.ins.state.pa.us/

U.S. Department of Labor Employee Benefits Security Administration
Philadelphia Regional Office
170 S Independence Mall West, Suite 870 West
Philadelphia, PA 19106-3317
Phone: 215-861-5300
Fax: 215-861-5347
http://www.dol.gov/ebsa/

Frequently Asked Questions

Can I use COBRA insurance more than once?

COBRA insurance laws apply each and every time you leave a job and meet the COBRA insurance eligibility requirements. That means that you can be eligible for COBRA insurance multiple times in your life as long as you meet the federal or state requirements.

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.

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.

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 I sign up for COBRA Insurance if I retire?

Yes - under the COBRA insurance law, retiring from your job is considered a qualifying event which means you can elect to continue to keep your group health insurance plan with COBRA insurance. Make sure to get the COBRA enrollment form from your employer, complete it on time, and submit it on time with the premium that is due.

How much does COBRA insurance cost?

If you elect to sign up for COBRA health insurance coverage, you will be responsible for 100% of the premium for your insurance (including your contribution and any contribution your former employer made) plus a 2% administration fee. You can locate this information on a recent pay stub, by contacting your employer, or by looking on the COBRA insurance notification form that lists the premium due.

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.

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.

Will I need new health insurance cards with COBRA insurance?

Because COBRA insurance is just the law that allows you to keep your health insurance previously provided by your employer, given you meet the requirements, you will not need to get a new health insurance card in most cases. Your health insurance will not change when you sign up for COBRA insurance and therefore you will in most circumstances not need a new health insurance card.

Can I get COBRA insurance if I am not a U.S. citizen?

If your worked for a U.S. company that provides health insurance and you meet the federal requirement for COBRA insurance eligibility than you can be covered whether you are a U.S. citizen or not. Make sure to get the COBRA insurance election form from your employer and submit it on time and you should be covered along with your dependents and/or spouse.

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