|Federal COBRA and Cal-COBRA|
Who can enroll in Federal COBRA or Cal-COBRA?
- You may be able to get Federal COBRA if you have health insurance through an employer who has 20 or more employees and there is a qualifying event described below.
- You may be able to get Cal-COBRA if you have health insurance through an employer who has 2 to 19 employees and there is a qualifying event described below.
A qualifying event means that you lose your health insurance because:
- The employee's job ends.
- The employee's hours are cut.
- You divorce or legally separate from the employee.
- You are no longer a dependent of the employee.
- The employee enrolls in Medicare.
- The employee dies.
How do I sign up for Federal COBRA or Cal-COBRA?
- If you leave your job or your hours are cut, you should receive a notice that says you can enroll in Federal COBRA or Cal-COBRA. Within 60 days of the date of the notice, you must tell the health plan in writing that you want to sign up.
- If you divorce, legally separate, or you can no longer be considered a dependent, you should tell the employer and the health plan to send you the forms you need. Within 60 days of being notified of your right to Federal COBRA or Cal-COBRA, you must tell the health plan in writing that you want to sign up.
- The health plan must then send you a notice that tells you how much the premium is and how to sign up.
- Make sure you:
- Send in the application form before the deadline.
- Send it to the right place.
- Send the right premium amount.
- Meet the deadline for paying your premium.
Can I get Cal-COBRA after I use up my Federal COBRA?You may be able to. If your Federal COBRA lasted 18 months, you may be able to keep your health insurance under Cal-COBRA for 18 more months, for a total of 36 months. If your Federal COBRA lasted 36 months, you cannot get more Cal-COBRA.
What are my benefits under Federal COBRA and Cal-COBRA?
- You have the same benefits as other employees in the same plan.
- If other employees have open enrollment periods when they can change from one plan to another, you can too.
- If the employer changes the employees from one plan to another, you change too.
- You have no restrictions because of pre-existing conditions.
- If the group plan offers specialized plans, such as dental or vision plans, they must be offered to you also. However, if you change to Cal-COBRA from Federal COBRA, these specialized plans do not have to be offered to you.
When do Federal COBRA and Cal-COBRA end?
They end when:
- The time period ends (up to 18 months of Federal COBRA followed by up to 18 months of Cal-COBRA (36 months total), or 36 months if you only have Cal-COBRA).
- You do not pay your premiums on time.
- The employer no longer offers any health insurance.
- You move outside the health plan's service area.
- You enroll in, or become eligible to enroll in Medicare.
- You enroll in another health plan.
You cannot enroll in Federal COBRA or Cal-COBRA if you:
- Are enrolled in, or become eligible to enroll in Medicare.
- Are fired for gross misconduct.
- Did not enroll in the time limit.
- Do not pay your premiums on time.
- Are covered or become covered by another health plan.
Can I continue my insurance after Federal COBRA or Cal-COBRA ends?
Yes. You have several choices, including:
|Apply Online for Vision Care|
Barricks Insurance Services
Important Disclaimer: Answers and comments provided above are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, governmental, or other professional advice. We do not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service, health plan, or service provider mentioned or any opinion expressed in the website. Replies, comments, or information gathered on barricks.com website may not be accurate but are intended to be helpful.