Oklahoma Mini COBRA applies to employer groups of 2-19 full time employees. Section 4509(B) deals with a employee losing coverage, usually through termination. In that event, the insurer must provide continued coverage for 63 days. Section 4509(C) provides that if an employee was covered for at least six months and the employee is terminated, or the group health insurance policy is terminated, the termination will not affect coverage of the employee or dependents for any continuous loss that began while the insurance was in force.
Additionally, eligible employees must elect the continuation of coverage benefits and provide payment to the employer within prescribed time frames.
Insurance carriers are required to provide notice to employees eligible for state
continuation. This is regulated by the Oklahoma Insurance Department.
Oklahoma Mini COBRA Premiums
The Premium Restriction in Oklahoma is 100% of Group Rate with no administrative fee.
Oklahoma Mini COBRA Election Period
An insurance carrier has 63 days to allow an employee to pay any necessary premiums. Insurance
carriers may not require the terminated employee to pay premium in advance of the
coverage being provided.
Converting OK Group Health
Health insurance policies that provide for the conversion to an individual policy by an insured on termination of group coverage must also provide a conversion privilege to the surviving or divorced spouse of the covered employee, as long as the surviving or divorced spouse was covered under the group plan to the time group coverage terminated.
No Mini Cobra Coverage
47 of the 50 U.S. states have COBRA laws that cover smaller employers, generally called state mini-cobra laws. States that have not passed a mini-cobra law include Alabama, Alaska, and Delaware.
Among States that have mini-cobra laws, the lengths of coverage vary from 30 days to 36 months. Please refer to our Mini State COBRA Law Directory.
Written by Craig J. Casey
Craig Casey is an Writer, Coach, Blogger, Husband, and Former Health Insurance Agent helping people on the web since 1999 with their health insurance problems.
blog comments powered by Disqus
