Comprehensive COBRA Insurance Information

Home » Cobra Insurance by State » (change)

<?echo $State;?> - Health Insurance

District of Columbia COBRA Insurance

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

Eligibility: In order to be eligible for Washington D.C. 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 Washington D.C.. You are not eligible for Washington D.C. 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 Washington D.C. Mini COBRA insurance coverage, your employer or insurance provider must notify you within 30 days that you are eligible for Washington D.C. 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: Washington D.C. Mini 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.

Cost: Washington D.C. 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 Washington D.C. Mini COBRA insurance benefits, you will be responsible for paying the 102% 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 Washington D.C. 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: Washington D.C. Mini COBRA insurance can be terminated for a variety of reasons. The most common reasons for termination of Washington D.C. Mini COBRA insurance coverage is failure to pay premiums, termination of the group health insurance plan by the employer.

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

District of Columbia Department of Insurance, Securities and Banking
810 First Street, NE, Suite 701
Washington, DC 20002
Phone: 202.727.8000
http://disr.dc.gov/disr/site/

U.S. Department of Labor Employee Benefits Security Administration
Washington District Office
1335 East-West Highway, Suite 200
Silver Spring, MD 20910
Phone: 301.713.2000
Fax: 301.713.2008
http://www.dol.gov/ebsa/

Frequently Asked Questions

Can I continue COBRA insurance just for my spouse?

Yes. When you receive your COBRA insurance enrollment form, you will be able to choose you would like to sign up for COBRA insurance coverage. This means that you can pick and choose who will continue to be covered under the health insurance policy with COBRA. You can choose to just cover your spouse and find alternative insurance for yourself.

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.

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.

Does COBRA insurance work in every state or only certain ones?

COBRA Insurance is a federal law, passed in 1985, which means that is works in every single state. Each and every state is required to offer continuation of health insurance with COBRA insurance as long as the employee meets the eligibility written in the law. If you do not meet the federal COBRA eligibility requirements, some states offer additional COBRA insurance plans for people at smaller companies normally known as mini-COBRA or COBRA continuation plans.

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.

Can I cover my children with COBRA insurance and not myself?

When you receive the COBRA insurance election form, you will have an option to choose who you want to be covered under the COBRA insurance continuation of your group health insurance plan. This means that you can choose to cover only your children, only your spouse, only yourself, or any combination depending on your needs.

You may want to consider who needs to keep the current health insurance plan under COBRA insurance the most (i.e. someone with a preexisting condition or someone who needs consistent medical care) and cover other family members on a less expensive plan.

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.

How do I add a dependent to my COBRA insurance?

Since COBRA insurance is just a law that enables you to continue to have access to your previous group health insurance, you would take the same steps to add a dependent. First contact your health insurance provider (not COBRA which is just the law that allows this) and find out their policy for adding a dependent.

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.

Why would I apply for state sponsored COBRA health insurance?

The most common reason that someone would apply for a state sponsored COBRA insurance plan is because they do not qualify under the federal COBRA insurance laws. In many states, there are state sponsored programs often called Mini COBRA laws or COBRA continuation laws which extend COBRA benefits to people who work at companies of between 2-19 employees and wouldn't be eligible under the federal law.

More COBRA Insurance Questions and Answers

Search

© 2019 www.cobrainsurancebenefits.org All rights reserved