Articles about COBRA Insurance

COBRA Insurance can be a scary topic, and amoung that fear can come the confusion. Are you eligiable? Are your children and spouse covered? What are my benefits? These are all legitimate questions, and can have a big impact on your life. COBRA can be complex, and to make all that worse, your employeer may have hired a COBRA administrator whos job it is to try and get you off of COBRA as soon as possible! We at Cobra Help Center think it our job to help you get well informed on your rights under COBRA as well as your rights after COBRA. Below are many articles, that are updated all the time, that can answers many questions. Click any of the following articles to see the full information.

If you want to know more about the COBRA Subsidy, click here. For the top related posts from our blog, click here.

• What is COBRA?
  
  COBRA is a health insurance benefit program enacted by the federal government in 1985. Employees who leave their job voluntarily or for any reason other than gross misconduct, spouses of these employees, dependent children of these employees and disabled persons are entitled to COBRA Health Insurance under the law
• How does COBRA Insurance apply to me?
  
  COBRA is a tool that can used in many situations. Knowing your COBRA rights, eligibility and benfits can save you a lot of stress and hardtimes. With the subsidy now in effect, 65% of your premiums can be paid for you. Knowing the rights you possess through the government can save you the painful thought of going with out insurance, expecially if you have a pre-existing condition.
• COBRA Qualifying Events and Beneficiaries
  
  COBRA works for most displaced employees, retirees, their dependents and spouses, divorced or separated spouses and dependents who have lost their dependent status. When an event occurs that might cause an individual to lose their coverage under a group health insurance policy, COBRA, which passed into law in 1986, provides the opportunity for those individuals to continue the previous coverage.
• Why is Cobra Insurance Outsourced?
  
  COBRA Administrators are not bad people, they just do not have your best interest at heart. Administrators work for the employeer, the one who you are now costing money by raising his premium.If a COBRA admin can get you off of COBRA, they are saving the employeer a lot of money.
• COBRA and the Diabetic
  
  Diabetes is a classic example of the prudence and value of COBRA. When employment situations change, the employee does not necessarily lose their medical benefits. Under a variety of circumstances0, an individual and the individual’s dependents can keep their existing health insurance coverage for between 18 and 36 months. Individuals who file for their COBRA continuation coverage within 60 days of their employment change must pay for their COBRA continuation coverage, but those persons and their covered dependents have the security of uninterrupted health insurance.
• Divorce and your Cobra Health Insurance Rights
  
  Divorce is challenging under the best circumstances. In the midst of undoing all those “I Dos”, you will need to understand and apply your rights under COBRA. Learning the laws applicable to your situation under the Consolidated Omnibus Budget Reconciliation Act of 1986 known as COBRA is no less of a challenge and on par with Division of Assets and Visitation.
• Employee Retirement Income Security Program - ERISA
  
  ERISA was enacted to protect the interests of employee benefit plan participants and their beneficiaries by requiring the disclosure to them of financial and other information concerning the plan; by establishing standards of conduct for plan fiduciaries; and by providing for appropriate remedies and access to the federal courts. ERISA is sometimes used to refer to the full body of laws regulating employee benefit plans, which are found mainly in the Internal Revenue Code and ERISA itself.
• California Cobra
  
  Cal-COBRA is similar to COBRA, though it is a California specfic law that encompasses companies of less than 20 employees. For former employees coming from companies with 2 to 19 employees, they may be allowed to keep their California health insurance plan for up to 36 months.
• Cobra Medical Insurance Expiring?
  
  George L. Fox, 18 year veteran of Planning Financial Futures, Inc., a Long Island, New York based comprehensive planning firm, has recently mapped out a streamlined process to navigate consumers desperately in need of medical insurance through the labyrinth of red tape that major insurance carriers hide behind to try and deny coverage to applicants with pre-existing health conditions.