Subject: Re: Re: Re: Re: Preganancy coverage

Comments:
: I did not even know it existed until now. I am an insurance associate. My company consults with companies to offer insurance and admin tasks such as HIPPA, COBRA, etc... Thanks for the link. I'll take a look. : : Associate: : : You know abit about COBRA have you been to <a href="http://www.cobrahealth.com/wwwboard/multipage1.html">the COBRAhealth board?</a> : : Agent : : : Corba stands for Consolidated Omnibus Budget Reconciliation Act of 1985. This is an act that protects you as an employee. Under COBRA, if you voluntarily resign from a job or are terminated for any reason other than "gross misconduct," you are guaranteed the right to continue your former employer’s group plan for individual or family health insurance for up to 18 months at your own expense. In many cases, your spouse and dependent children are also eligible for COBRA coverage, sometimes for as long as three years. However, individual plans — that is, plans you buy on your own, rather than through work or an association — are not subject to COBRA law, and once you lose that coverage, you won't be able to get an extension under COBRA. : : : In general, three groups of people, known as beneficiaries, are eligible for COBRA coverage: employees or former employees (retirees) in private business; their spouses; and their dependent children. One of several types of "qualifying events" must occur to trigger COBRA. You then are eligible to buy COBRA for the maximum coverage period as determined by your beneficiary status and the qualifying event. Remember: You don't have to stay on COBRA the whole time — nor will you always be able to — if different health insurance becomes available to you. : : : Additionally, your spouse or any of your children may enroll in COBRA independent of your COBRA election decision. Even if you forgo COBRA, any of your qualified family members may elect to continue their health insurance benefits under your former employer's plan. : : : When you're on COBRA, no longer will your employer pick up a chunk of the monthly premiums. You'll be responsible for paying the full amount, plus an administrative fee of up to 2 percent. You'll have to weigh your ability, and desire, to pay the extra expenses against your and your family's need for health coverage and the financial dangers of going without it. : : : Families USA says that the national average cost of employer-provided family coverage under COBRA, plus a 2 percent administrative fee, is $7,194 per year, or $600 per month. Because the national average monthly unemployment benefit is approximately $939, the average family COBRA premium constitutes nearly two-thirds of a family's average monthly unemployment benefit. According to Families USA, only one in five people eligible for COBRA actually receives it because they simply can't afford to pay for it. : : : : : : : : : I am 2 months pregnant and currently am covered w/my employers health insurance. If I quit my job, will COBRA pay for me while pregnant like my current health insurance does. Will my benefits stay the same? I do understand at a higher rate. My current insurance pays for unlimited ultrasounds, will COBRA pay the same? : : : : Thanks for your response

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