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General COBRA Explanation

What is COBRA Continuation Coverage?

COBRA (the Consolidated Omnibus Budget Reconciliation Act of 1986) is a federal ruling that requires most group health plans to offer temporary continuation of health coverage that might otherwise be terminated.

COBRA requires that continuation coverage be accessible to covered employees, their spouses, former spouses and dependent children when group health coverage would otherwise be lost due to certain qualifying events.

Some Common COBRA Qualifying Events
  • Termination of the covered employee
  • A reduction in hours for the covered employee
  • Death of the covered employee
  • Divorce or legal separation from the covered employee
  • The covered employee becoming entitled to Medicare
  • A loss of dependent status for a dependent child
Reasons Why You May want to Choose COBRA
  • No Coverage Lapse- COBRA coverage will ensure that you won't experience a lapse in coverage, which could be devastating in the event of a sudden illness or an accident.
  • Same Provider Network- COBRA will enable you to continue using the same network of providers as your previous employer, because your coverage remains the same.