Comprehensive COBRA Insurance Information

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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

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.

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 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.

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.

Is there a grace period before they cancel COBRA insurance if I can't pay?

With most health insurance plans, there is a 30 day grace period, within which you need to pay your COBRA health insurance premium. If you fail to pay the premium within this window it is likely that your COBRA insurance will be cancelled and you will not be able to sign back up.

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.

Can I keep my HSA or flexible spending account with COBRA insurance?

COBRA insurance laws provide that you can continue to maintain your current health insurance plan if you leave or quit our job and meet the COBRA insurance requirements. This means that you can keep all benefits of the previous plan, including HSA and flexible spending accounts under COBRA insurance laws. If you have specific questions about what this looks like you should contact your group health insurance provider.

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.

Are there good COBRA insurance alternatives if I have a preexisting condition?

Likely, COBRA insurance will be your best option if you have a preexisting condition. However it is always worth it to explore alternative options and explain your condition to find out if there is a cheaper option even though you have a preexisting condition. Either way, it is incredibly important to keep some type of medical insurance.

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