COBRA is not insurance. In fact, there is not even a true central “company” that handles COBRA. COBRA is a law that was passed by the federal government that allows for a former employee to continue their former employees health policy for up to 18 months after leaving their job. COBRA is not a new health plan, or even a changed health plan. It is the exact same health plan that you were getting while working at your employers, but now you, as a former employee, are paying for it.

You are required by law to receive all the same benefits as you were receiving, as well as be able to see the same doctors as you were seeing while you were employed.  As long as you meet the qualifying events within COBRA, and were not fired for gross misconduct, a former employee must provide you with COBRA for the full 18 months, or as long as you continue to pay.

COBRA, again, is not a health insurance policy you are getting new, and is not a company. COBRA is a law that allows a former employee to continue their group health plan, that was previously provide by their company, at a group rate price but funded by the former employee them self.

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