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What happens to COBRA Insurance if I move to another state or outside of my coverage area?

Posted on: April 16th, 2011 by Cobra Insurance Guide

FamilyMany people find themselves considering moving when they lose their job and are continuing their coverage under COBRA health insurance.  Whether or not you are able to continue to maintain your health insurance coverage under COBRA insurance laws is 100% dependent on your current health insurance plan under COBRA, which is the same as you had with your previous employer.

So what does that mean exactly?  It depends.  You will want to reach out to your health insurance provider and find out if the current policy you have extends outside of the area or state in which you live.  Some health insurance plans only work in the state or area in which you live, mostly HMOs, and some extend coverage all across the country.  If your plan is limited to doctors and hospitals in your immediate vicinity, likely your COBRA insurance coverage will not extend to another state.  However, if your insurance plan does work in other regions and states, it still will.  Reach out to your health insurance provider, explain your circumstances, and they will let you know what your options are under COBRA insurance.

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