Comprehensive COBRA Insurance Information

Home » Cobra Insurance by State » (change)

<?echo $State;?> - Health Insurance

New Hampshire COBRA Insurance

In addition to the federal COBRA insurance coverage, the state of New Hampshire 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 New Hampshire. This law is called New Hampshire Continuation Coverage.

Eligibility: In order to be eligible for New Hampshire Continuation Coverage insurance, you must have been covered by the employer group health insurance plan employment loss for at least 6 months 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 New Hampshire. You are not eligible for New Hampshire Continuation Coverage insurance if you are eligible for Medicare or if you qualify for another group health insurance plan.

Signing Up: To sign up for the New Hampshire Continuation insurance coverage, you must apply, contact your insurance provider immediately and let them know you would like to sign up. You also must pay the COBRA premium in advance upon approved COBRA continuation coverage. Your employer and the group health insurer should provide you with an election notice for COBRA insurance when your employment ends, however you should immediately reach out to your insurer if you do not receive notification.

Length of Coverage: New Hampshire Continuation insurance covers you for up to 36 months from the day your group health insurance plan stopped coverage. This applies to former employees, spouses, and dependents.

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

For help signing up for New Hampshire Continuation insurance, you may consider contacting the following state agencies.

New Hampshire Insurance Department
21 South Fruit St. Suite 14
Concord, NH 03301
Phone: 603-271-2261
Consumer Assistance Phone: 800-852-3416
General Email: [email protected]
Consumer Complaint Email: [email protected]
http://www.nh.gov/insurance/

U.S. Department of Labor Employee Benefits Security Administration
Boston Regional Office
J.F.K. Building, Room 575
Boston, MA 02203
Phone: 617-565-9600
Fax: 617-565-9666
http://www.dol.gov/ebsa/

Frequently Asked Questions

What is state sponsored COBRA insurance?

State sponsored COBRA generally looks identical to the federal COBRA insurance coverage but applies to more people than the federal law. It allows someone to extend their group health insurance coverage after losing their job for a specified period of time. This time period varies from state to state. Also, the cost varies from state to state.

What other options do I have if I don't qualify or want state sponsored COBRA insurance?

There are many other options for health insurance, many of which are less expensive than typical COBRA plans: Alternatives to COBRA.

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.

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.

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.

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.

Can I drop my COBRA insurance coverage at any time?

Of course! COBRA insurance laws are meant to protect people and families while they seek out other health insurance either through an independent company or by becoming employed elsewhere. Therefore, you can drop your COBRA health insurance coverage at any time. You need to notify your group health insurance provider under COBRA when you would like the coverage to end. Make sure to check with your new employer or insurer for when the policy will become active. In many companies, there is a 90 day waiting period until COBRA insurance kicks in.

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.

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.

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.

More COBRA Insurance Questions and Answers

Search

© 2020 www.cobrainsurancebenefits.org All rights reserved