Comprehensive COBRA Insurance Information

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Pennsylvania COBRA Insurance

In addition to the federal COBRA insurance coverage, the state of Pennsylvania also offers an extended COBRA insurance plan for employees at companies with less than 20 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 Pennsylvania. This law is called Pennsylvania Mini COBRA insurance or Pennsylvania COBRA.

Eligibility: In order to be eligible for Pennsylvania Mini COBRA coverage, you must have been covered by the employer group health insurance plan at the time employment ended or the qualifying event occurred. You also can not qualify for federal COBRA insurance. As with federal COBRA laws, your beneficiaries are also eligible for COBRA insurance in Pennsylvania. You are not eligible for Pennsylvania 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 Pennsylvania Mini COBRA insurance coverage, your employer or insurance provider must notify you within 30 days that you are eligible for Pennsylvania Mini COBRA insurance. You then have 30 days to sign up. 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: Pennsylvania Mini COBRA insurance covers you for 9 months from the day your group health insurance plan stopped coverage. This applies to former employees, spouses, and dependents.

Cost: Pennsylvania 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 Pennsylvania Mini COBRA insurance benefits, you will be responsible for paying the 105% 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. It is also important to know that when you sign up for Pennsylvania Mini COBRA insurance, you will be responsible for any monthly premiums retroactively since the date of employment loss since the coverage covers that entire period.

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

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

Pennsylvania Department of Insurance
Office of Consumer and Producer Services
1209 Strawberry Square
Harrisburg, PA 17120
Phone: 717-787-6174
Fax: 717-787-8585
http://www.ins.state.pa.us/

U.S. Department of Labor Employee Benefits Security Administration
Philadelphia Regional Office
170 S Independence Mall West, Suite 870 West
Philadelphia, PA 19106-3317
Phone: 215-861-5300
Fax: 215-861-5347
http://www.dol.gov/ebsa/

Frequently Asked Questions

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 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.

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.

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.

Can I sign up for COBRA insurance if I am self employed?

Unfortunately you will not be able to sign up for COBRA insurance if you are self employed. Federal COBRA insurance benefits only extend to people who work for companies with over 20 employees and state sponsored COBRA insurance policies may extend to companies with 2-19 employees. Most likely you will need to seek out COBRA insurance alternatives. The only other option you could possibly explore is if you belong to a group health insurance plan provided by an umbrella network of self employed individuals. If you are part of such a network, you may be eligible for COBRA insurance but you will have to reach out to your plan administrator.

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 apply for COBRA insurance if I quit my job?

One of the great things about the COBRA law is that you are entitled to continue your coverage whether you lost your job voluntarily or involuntarily. This means that even if you quit your job, you and your family can still receive COBRA insurance benefits.

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 if I retire?

Yes - under the COBRA insurance law, retiring from your job is considered a qualifying event which means you can elect to continue to keep your group health insurance plan with COBRA insurance. Make sure to get the COBRA enrollment form from your employer, complete it on time, and submit it on time with the premium that is due.

Can I keep COBRA insurance even if my new job offers health insurance?

Sometimes people may find a new job but still would like to stay on their previous plan with their former employer under COBRA because they prefer that plan. This is completely possible under COBRA insurance laws as long as you do not sign up for the new insurance. However, when your COBRA insurance benefits run out, you will likely want to sign up for your new employers health insurance plan or find a private plan.

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