COBRA Health Insurance
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COBRA is a law that allows employees (not terminated for gross misconduct) and their immediate family to continue their group health coverage for up to 18 months after termination.

Disadvantages of COBRA:

• Your premiums are no longer subsidized by your employers
• Your benefits may not be as good
• You must have group insurance
• Only the employee, spouse and dependents are eligible
• Companies with fewer than 20 employees may be able to claim an exemption
• Coverage ends after 18 months or if your employer ends his group plan
• Coverage only starts the day you sign up
• Medical expenses incured before you enrolled will not be covered.

Advantages of COBRA:

• If you die, divorce or become legally seperated, your spouse and dependents are eligible for 36 months
• If you are terminated or have an hour reduction (usually to part time status without benefits) you can continue coverage for 18 months

When should you sign up for COBRA?

• If you are terminated with a serious pre-existing condition
• If you or your spouse are pregnant
• If you are on expensive long term medications

Note: Under HIPPA, you can continue coverage even with a pre-existing condition if your COBRA plan has run out.

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