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COBRA Frequently Asked Questions (FAQ)

I have not heard anything from my plan administrator! Your notice must be provided in person or by first class mail within 44 days that a qualifying event has occurred.

Can they raise my COBRA premiums? As long as the company increases the premium for everyone, they can raise the rates. Remember, they aren't just offering it for COBRA participants, but are raising it on the group health plan, and so everyone is paying more.

What if my COBRA provider goes out of business? Yes. Because whatever happens to the regular employees, happens to you also, since it is continuation coverage

No one from my company is contacting me First contact your plan administrator or employer, whoever was in charge of the company health plan.

My company has told me they are not going to offer me COBRA. Find out if you are eligible here. If you are, contact your government investigator. If the case has merit, they will appoint an investigator, start a case, to see if there is a pattern of abuse. Although your investigator cannot impose fines to the company, you have the option of suing the employer in federal court. If the judge finds they broke the law, they can be fined up to $110 per day, payable to you, till they give you the notice.

Are the benefits different from my old plan? No. Qualified beneficiaries must be offered benefits identical to those received immediately before qualifying for continuation coverage.

How soon do I have to pay? The first payment must be made within 30-45 days after the date of the COBRA election.

How soon do I have to enroll? 60 days from the date that the notice was sent to you.

Does my COBRA plan have to cover dental and vision?If those benefits were part of the original plan. If they are optional or "none core," you don't have to elect to get them.

My COBRA benefits are almost up! Consider buying a new plan under HIPAA, or getting private health insurance.

Why is COBRA so expensive? Because the insurers have to cover everyone meeting legal requirements, regardless of health.

My legally separated spouse ended my coverage through her plan. Can I elect COBRA? If you notify the plan administrator within 60 days of your divorce or separation.


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