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Utah COBRA Insurance

In addition to the federal COBRA insurance coverage, the state of Utah 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 Utah.

Eligibility: In order to be eligible for Utah COBRA insurance, you must have been covered by the employer group health insurance plan employment loss 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 Utah. You are not eligible for Utah 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 Utah COBRA insurance coverage, you must apply in writing after employment loss. You also must pay the COBRA premium in advance. 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: Utah COBRA insurance covers you for 6 months from the day your group health insurance plan stopped coverage. This applies to former employees, spouses, and dependents.

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

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

Utah Insurance Department
State Office Building, Room 3110
Salt Lake City, UT 84114-6901
P.O. Box 149104
Phone: (801) 538-3877 or (866) 350-6242
Email: [email protected]

U.S. Department of Labor Employee Benefits Security Administration
San Francisco Regional Office
90 7th Street, Suite 11-300
San Francisco, CA 94103
Phone: (415) 625-2481
Fax: (415) 625-2450
http://www.dol.gov/ebsa/

Frequently Asked Questions

I just had a baby, can I add him/her to my COBRA insurance plan?

It all depends on the health insurance policy that you chose to continue under the COBRA insurance law. Each group health insurance company has different policies so you will want to call your insurance provider. Under most policies you will be allowed to add your baby once you give birth.

Are my children covered under COBRA insurance laws?

If your children were covered under your previous health insurance policy and you qualify for COBRA insurance so you can continue to receive your group health insurance, then your children will be covered as well in almost all cases. You can check by looking at your COBRA insurance election form or contacting your health insurance administrator.

How much do I have to pay to sign up for COBRA insurance?

This is completely dependent on the day that you decide to elect to enroll in COBRA insurance. If you decide to enroll in COBRA insurance right away, you will just be responsible f or the first premium. However, if you wanted until the last day to enroll, you would have to pay 2 months of premiums. This is because COBRA insurance is retroactive back to the date your insurance coverage would have stopped and you need to pay to cover that full period. You can find out exactly what you need to pay by contacting your group health insurance plan.

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.

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.

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 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.

Can I be denied COBRA insurance if I have a preexisting condition?

No. As long as your were receiving health insurance in your previous job and meet all of the federal COBRA insurance requirements than you can no be denied COBRA insurance because of a preexisting condition.

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.

Can I change my COBRA insurance plan for a private medical insurance plan?

Under the COBRA insurance law, you can drop COBRA insurance at any time as long as you inform your insurance provider. This means that you can at any time convert to a private health insurance plan. Just be careful that when you drop COBRA insurance your other plan has started so you don't experience a lapse in coverage.

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