Comprehensive COBRA Insurance Information

Home » Cobra Insurance by State » (change)

<?echo $State;?> - Health Insurance

Georgia COBRA Insurance

In addition to the federal COBRA insurance coverage, the state of Georgia also offers an extended COBRA insurance plan for employees at companies with 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 Georgia. This law is called Georgia Mini COBRA insurance.

Eligibility: In order to be eligible for Georgia Mini COBRA coverage, you must have been covered by the employer group health insurance plan for at least six 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 Georgia. You are not eligible for Georgia Mini COBRA insurance if you are eligible for Medicare or if you qualify for another group health insurance plan. You also may not qualify for Georgia Mini COBRA insurance if you were terminated with "just cause."

Length of Coverage: Georgia 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.

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

For help electing for Georgia MIni COBRA insurance, you may consider contacting the following state agencies.

Georgia Department of Insurance
Two Martin Luther King, Jr. Drive
West Tower, Suite 704
Atlanta, Georgia 30334
Phone: 404.656.2070 OR 800.656.2298
Fax: 404.657.8542
http://www.gainsurance.org/home.aspx

U.S. Department of Labor Employee Benefits Security Administration
Atlanta Regional Office (Northern Georgia)
61 Forsyth Street, SW, Suite 7B54
Atlanta, GA 30303
Howard Marsh - Director
Phone: 404.562.2156
Fax: 404.562.2168
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.

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 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.

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.

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.

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.

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.

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.

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.

More COBRA Insurance Questions and Answers

Search

© 2020 www.cobrainsurancebenefits.org All rights reserved