Comprehensive COBRA Insurance Information

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Connecticut COBRA Insurance

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

Eligibility: In order to be eligible for Connecticut COBRA coverage, you must have been covered by the employer group health insurance plan before your employment ends 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 Connecticut. You are not eligible for Connecticut COBRA insurance if you are eligible for Medicare or if you qualify for another group health insurance plan.

Signing Up: Your employer should notify you if you are eligible for Connecticut Mini COBRA insurance. You will then need to elect or sign up for Connecticut COBRA. Connecticut Mini COBRA insurance, until 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: Connecticut Mini COBRA insurance covers you for 18 months from the day your group health insurance plan stopped coverage. This applies to former employees, spouses, and dependents.

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

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

Connecticut Insurance Department
153 Market Street
Hartford, CT 06103
Phone: 800.203.3447
http://www.ct.gov/cid/site/default.asp

U.S. Department of Labor Employee Benefits Security Administration
Boston Regional Office
J.F.K. Building, Room 575
Boston, MA 02203
James Benages - Director
Tel 617.565.9600
Fax 617.565.9666
http://www.dol.gov/ebsa/

The Connecticut Health Reinsurance Association is an agency that helps individuals to secure health insurance benefits after their COBRA insurance has run out.

Connecticut Health Reinsurance Association
100 Great Meadow Road, Suite 704
Wethersfield, CT 06109
Phone: 1.800.842.0004
http://www.hract.org/hra/index.htm

Frequently Asked Questions

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.

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.

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.

Are my COBRA insurance premium payments tax deductible?

It all depends on your health insurance plan and your current income and taxes. Unfortunately there is no simple answer here. The easiest way to find out if your health insurance premiums under COBRA is to contact your health insurance administrator or reach out to the IRS or a specialized tax agent.

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 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 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 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.

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.

Are my children covered under COBRA insurance laws?

If your children were covered under your previous health insurance policy and you qualify for COBRA insurance so you can continue to receive your group health insurance, then your children will be covered as well in almost all cases. You can check by looking at your COBRA insurance election form or contacting your health insurance administrator.

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