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Arkansas COBRA Insurance

In addition to the federal COBRA insurance coverage, the state of Arkansas 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 Arkansas. This law is called Arkansas Mini COBRA insurance.

Eligibility: In order to be eligible for Arkansas Mini COBRA coverage, you must have been covered by the employer group health insurance plan for at least three months before the end date of the coverage 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 Arkansas. You are not eligible for Arkansas 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 the Arkansas Mini COBRA 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 are responsible to provide you with an election notice for COBRA insurance when your employment ends.

Length of Coverage: Arkansas Mini COBRA insurance covers you for 120 days from the day your group health insurance plan stopped coverage. This applies to former employees, spouses, and dependents.

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

For help electing for Arkansas MIni COBRA insurance, you may consider contacting the following state agencies.

Arkansas Insurance Department
1200 West Third Street
Little Rock, AR 72201-1904
Phone:(501) 371-2640 or (800) 852-5494
http://www.insurance.arkansas.gov/

Arkansas Comprehensive Health Insurance Pool (CHIP)
The Arkansas Comprehensive Health Insurance Pool (CHIP) is an agency that helps individuals to secure health insurance benefits after their COBRA insurance has run out.

Arkansas Comprehensive Health Insurance Pool
P.O. Box 419
Little Rock, AR 72203
Phone: (800) 285-6477
http://chiparkansas.org/

Frequently Asked Questions

I just qualified for Medicare, can my family still receive COBRA insurance?

Yes - if you were the one who was providing the COBRA insurance policy (i.e. COBRA kicked in because you no longer were covered due to job loss/quitting and elected to continue to keep your group health insurance with COBRA). Under the COBRA insurance laws, this is known as a secondary qualifying event which will allow your family to be covered for an additional 7 months.

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.

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.

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.

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.

My COBRA insurance premium payment was lost in the mail, what can I do so I do not lose coverage?

The very first thing you should do is reach out to the group health insurance provider you are receiving insurance from with COBRA. Let them know what happened and many times, if this is the first time it has happened and there isn't a pattern of missed payments they will work with you.

What is state sponsored COBRA insurance?

State sponsored COBRA generally looks identical to the federal COBRA insurance coverage but applies to more people than the federal law. It allows someone to extend their group health insurance coverage after losing their job for a specified period of time. This time period varies from state to state. Also, the cost varies from state to state.

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.

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.

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.

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