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Vermont COBRA Insurance

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

Eligibility: In order to be eligible for Vermont 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 Vermont. You are not eligible for Vermont 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 Vermont 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: Vermont 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: Vermont COBRA insurance can be terminated for a variety of reasons. The most common reasons for termination of Vermont COBRA insurance coverage is failure to pay premiums, termination of the group health insurance plan by the employer.

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

Vermont Insurance Division
89 Main Street
Montpelier, VT 05620-3101
Phone: 800-964-1784
http://www.bishca.state.vt.us/

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

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.

Where do I get the COBRA insurance application/enrollment form?

The application for COBRA insurance, also know as the enrollment of election form, should be provided by your employer within 45 days of your last day of work. You can not use a generic form found online to elect COBRA medical insurance so you must reach out to your employer or health insurance company for the form. If 45 days have passed and you are sure you qualify for COBRA insurance, reach out to the Department of Labor at 866-444-3272.

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.

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.

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.

Where do I send my monthly COBRA insurance premiums?

Since COBRA insurance is the law that allows you to maintain your health insurance not the actual insurance, you will send the monthly premiums to your group health insurance company. This is the same one that you had when you were employed. Normally the address is located on your COBRA election form and if you can no find that, you can call your former employer or the health insurance provider.

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 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.

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.

Will COBRA insurance work outside of the United States?

That all depends on the type of health insurance plan that you had with your previous employer. If the insurance company would have covered you if you moved out of the country, then they still will. However, most insurance plans only work in a select area and will not work oversees, therefore meaning COBRA insurance will not work outside of the United States. You can contact your health insurance provider to find out if you will be covered out of the country.

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