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

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.

Does COBRA insurance cover dental insurance as well?

If your previous health insurance plan with your previous employer including dental insurance then in most cases you will be able to continue to receive dental insurance with COBRA. When you receive your COBRA insurance election form, you will have to list what type of insurance you wish to continue with COBRA and who you want to be covered. If you wish to continue to have your dental insurance, make sure to mark this on the form. You will have to then pay the dental insurance premium along with the health insurance premium.

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.

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.

How many days do I have to elect COBRA insurance?

Under the current law, you have 60 days to decide if you want to elect COBRA insurance. During that time it is important that you explore all of your options to make sure that is the right plan for you. The exact date that you need to make an enrollment decision will be listed on your COBRA insurance election form.

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.

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.

Will I need new health insurance cards with COBRA insurance?

Because COBRA insurance is just the law that allows you to keep your health insurance previously provided by your employer, given you meet the requirements, you will not need to get a new health insurance card in most cases. Your health insurance will not change when you sign up for COBRA insurance and therefore you will in most circumstances not need a new health insurance card.

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 my COBRA insurance premiums change?

Yes. Since COBRA insurance is just a continuation of your group health insurance plan, any changes to that plan, including an increase or decrease in premium costs, will also affect your premium cost under COBRA insurance. Your bill will reflect any changes in costs for the premium. COBRA insurance premiums cannot be locked in at any point.

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