Comprehensive COBRA Insurance Information

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Florida COBRA Insurance

In addition to the federal COBRA insurance coverage, the state of Florida also offers an extended COBRA insurance plan for employees at companies with between 2-19 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 Florida. This law in Florida is called Florida Mini COBRA insurance.

Eligibility: In order to be eligible for Florida Mini Cobra insurance coverage, you must have been covered by the employer group health insurance plan when you lost your employment and must not qualify for federal COBRA insurance. As with federal COBRA laws, your beneficiaries are also eligible for COBRA insurance in Florida. You are not eligible for Florida 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 Florida Mini COBRA insurance coverage, you must send written notification to your insurance company or HMO within 30 days of employment loss. 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: Florida Mini COBRA insurance lasts between 18 months, although you may qualify for an additional 11 months if you are completely disables.

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

Cost: Florida 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 Florida Mini COBRA insurance benefits, you will be responsible for paying the 115% 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. If you qualify for the 11 month extension due to disability, your cost will raise to 150% of the premium during those 11 months.

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

Florida Office of Insurance Regulation
200 East Gaines Street
Tallahassee, FL 32399
Phone: 850.413.3140
http://www.floir.com/director/

U.S. Department of Labor Employee Benefits Security Administration
Miami District Office (South Florida)
8040 Peters Road, Bldg H, Suite 104
Plantation, FL 33324
Phone: 954.424.4022
Fax: 954.424.0548
http://www.dol.gov/ebsa/

Frequently Asked Questions

Can I change my COBRA insurance plan for a private medical insurance plan?

Under the COBRA insurance law, you can drop COBRA insurance at any time as long as you inform your insurance provider. This means that you can at any time convert to a private health insurance plan. Just be careful that when you drop COBRA insurance your other plan has started so you don't experience a lapse in coverage.

Is there a cap to the amount COBRA insurance premiums cost?

Unfortunately under the current COBRA insurance laws, there is no cap to the cost of COBRA insurance premiums. The premium is calculated based on the current cost of the group health insurance premium at your company plus the 2% administration fee.

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.

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.

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.

Can I get COBRA insurance if I am not a U.S. citizen?

If your worked for a U.S. company that provides health insurance and you meet the federal requirement for COBRA insurance eligibility than you can be covered whether you are a U.S. citizen or not. Make sure to get the COBRA insurance election form from your employer and submit it on time and you should be covered along with your dependents and/or spouse.

Will COBRA insurance work outside of the United States?

That all depends on the type of health insurance plan that you had with your previous employer. If the insurance company would have covered you if you moved out of the country, then they still will. However, most insurance plans only work in a select area and will not work oversees, therefore meaning COBRA insurance will not work outside of the United States. You can contact your health insurance provider to find out if you will be covered out of the country.

How do I apply for state sponsored COBRA insurance?

Every state has a specific application process to receive state sponsored COBRA insurance. Generally, you will need to request an election form from your employer and will have between 14-60 days to submit your form and pay the initial premium. On this form, you will have to prove that you are eligible and provide personal information for everyone you wish to remain on the plan under COBRA.

Can my employer deny COBRA insurance benefits?

If you qualify for COBRA insurance under the federal eligibility requirements and have not left your job due to gross misconduct, then your employer can not deny you COBRA insurance benefits. If you think you are unfairly being denied COBRA insurance benefits by your employer you should reach out to the Department of Labor.

Am I eligible for COBRA insurance if my company cancels their health insurance policy?

Unfortunately in most cases you will not be eligible for health insurance under COBRA insurance laws if your company stops providing health insurance. The reason is that COBRA insurance laws allow you to continue to receive your health insurance but if there is no health insurance to continue, then you are not able to keep insurance under COBRA. This means you will likely need to start exploring alternative health insurance options.

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