Comprehensive COBRA Insurance Information

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Maryland COBRA Insurance

In addition to the federal COBRA insurance coverage, the state of Maryland 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 Maryland. The state run COBRA insurance coverage is known as Conversion Coverage in Maryland. It is also important to know that under this coverage there is no limit of premiums and coverage can be limited at the insurer's discretion.

Eligibility: In order to be eligible for Maryland COBRA Conversion Coverage, you must have been covered by the employer group health insurance plan for at least three months before employment loss. You also can not qualify for federal COBRA insurance. As with federal COBRA laws, your beneficiaries are also eligible for COBRA insurance in Maryland. You are not eligible for Maryland 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 the Maryland COBRA Conversion Coverage, you must apply in writing to your group health insurance provider. You also must pay the COBRA premium in advance.

Length of Coverage: Maryland Mini COBRA insurance covers you for up to 18 months from the day your group health insurance plan stopped coverage if you were terminated without cause. If you were terminated with cause, you are eligible for up to 6 months of COBRA coverage. This applies to former employees, spouses, and dependents.

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

For help electing for Maryland COBRA Conversion Coverage insurance, you may consider contacting the following state agencies.

Maryland Insurance Administration
525 St. Paul Place
Baltimore, MD 21202-2272
Phone: 410.468.2000 or 1.800.492.6116 (toll free)
http://www.mdinsurance.state.md.us/

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

Frequently Asked Questions

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.

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 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.

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.

Can I sign up for COBRA insurance after the 60 day window?

Unfortunately you can not sign up for COBRA insurance after the 60 day enrollment window has ended. If that window has passed you will need to look for alternative insurance through a private company so that you can have health insurance.

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.

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.

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.

Who is eligible for COBRA insurance in my family?

If you are a covered employee under the COBRA insurance law, then generally anyone who was previously covered in your health plan will continued to be covered if you elect COBRA medical insurance. These generally includes your spouse, children, and any other dependents.

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.

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