Tennessee COBRA Insurance
In addition to the federal COBRA insurance coverage, the state of Tennessee 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 Tennessee.
Eligibility: In order to be eligible for Tennessee COBRA insurance, 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 Tennessee. You are not eligible for Tennessee 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 Tennessee 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: Tennessee COBRA insurance covers you for 3 months from the day your group health insurance plan stopped coverage. This applies to former employees, spouses, and dependents.
Termination: Tennessee COBRA insurance can be terminated for a variety of reasons. The most common reasons for termination of Tennessee COBRA insurance coverage is failure to pay premiums, termination of the group health insurance plan by the employer.
For help signing up for Tennessee COBRA insurance, you may consider contacting the following state agencies.
Tennessee Insurance Division
Consumer Insurance Services
500 James Robertson Parkway, 4th Floor
Nashville, TN 37243-0574
Phone: 800-342-4029 or 615-741-2218
U.S. Department of Labor Employee Benefits Security Administration
Atlanta Regional Office
61 Forsyth Street, SW, Suite 7B54
Atlanta, GA 30303
Frequently Asked Questions
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.
Can I sign up for COBRA insurance after the 60 day window?
Unfortunately you can not sign up for COBRA insurance after the 60 day enrollment window has ended. If that window has passed you will need to look for alternative insurance through a private company so that you can have health insurance.
Can I get COBRA insurance if I worked for a small company?
It depends on the size of your company and the number of employees covered under their insurance plan (either full time or their part time equivalents. Federal COBRA insurance only applies to companies who cover at least 20 employees. However, many states have created their own COBRA insurance laws to offer extended coverage to employees at companies with between 2-19 employees. Learn more about state sponsored COBRA insurance.
How do I apply for state sponsored COBRA insurance?
Every state has a specific application process to receive state sponsored COBRA insurance. Generally, you will need to request an election form from your employer and will have between 14-60 days to submit your form and pay the initial premium. On this form, you will have to prove that you are eligible and provide personal information for everyone you wish to remain on the plan under COBRA.
Am I eligible for COBRA insurance if my company cancels their health insurance policy?
Unfortunately in most cases you will not be eligible for health insurance under COBRA insurance laws if your company stops providing health insurance. The reason is that COBRA insurance laws allow you to continue to receive your health insurance but if there is no health insurance to continue, then you are not able to keep insurance under COBRA. This means you will likely need to start exploring alternative health insurance options.
I just had a baby, can I add him/her to my COBRA insurance plan?
It all depends on the health insurance policy that you chose to continue under the COBRA insurance law. Each group health insurance company has different policies so you will want to call your insurance provider. Under most policies you will be allowed to add your baby once you give birth.
Can I get COBRA insurance when my student insurance ends?
It depends on your university's insurance plan and how many people are covered under the plan. There is a possibility that you can sign up to keep your health insurance from the university under COBRA insurance. You should contact the health insurance provider/contact on campus to find out more information and/or call the insurance company themselves.
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.
I signed up for COBRA insurance but never paid the premium because it is too expensive, am I still covered?
Since you didn't pay the premium, you are no longer covered under the COBRA insurance continuation law with your group health insurance policy. However, if 30 days haven't passed and now you want COBRA insurance, you can still pay the premium and keep your coverage. If you need to explore additional health insurance options, you will want to learn about cobra health insurance alternatives.
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.