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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

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.

Where can I find a list of doctors for COBRA insurance?

Since COBRA insurance is actually legislation that allows you to choose to continue receiving your previous group health insurance plan, there will not be a list of doctors that take COBRA insurance, but instead the same doctors that were covered under your previous health insurance plan will still be covered. If you need a list of those doctors, you should contact your health insurance plan administrator.

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.

How do I know if my state offers state sponsored COBRA insurance?

Unfortunately not every state offers extended COBRA insurance plans. To learn whether or not your state offers COBRA insurance plans, please visit the COBRA Insurance by State Section and select your state.

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 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.

Can I sign up for COBRA insurance if I quit my job?

Yes! Under COBRA insurance you can sign up for COBRA insurance if you leave your job voluntarily (i.e. quitting) or involuntarily (i.e. being laid off). You will need to complete the COBRA insurance enrollment form which should be provided by your employer.

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.

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.

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.

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