Get Cobra, Maryland State Continuation And Hipaa Information Packet

Maryland's mini-COBRA law allows for continuation of group health insurance for employees who have lost their job and meet certain eligibility requirements. The average cost for this continuation coverage is typically 102% of the total premium cost for the individual and their dependents.

L. 104-191). HIPAA section 421 makes changes, described below, to three areas in the continuation coverage rules applicable to group health plans under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), as amended.

HIPAA'S Effect on COBRA While HIPAA and COBRA are separate laws, HIPAA does affect COBRA continuation coverage. Effective January 1, 1997, HIPAA made changes to COBRA continuation coverage in the areas of disability extension, definition of qualified beneficiary, and the duration of COBRA continuation coverage.

You will likely want to drop COBRA once you become eligible for a different health plan, such as if you get another job. If you stop paying premiums, COBRA coverage will end automatically. A health plan may also terminate a COBRA plan if your former employer drops group health insurance coverage.

There are a few reasons you've received a Cobra Notification. Most commonly you will receive the following letters: Initial Notification: Upon enrollment into our group plan you will receive this letter. The purpose of this letter is to inform you of your rights and responsibilities as a plan participant.

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COBRA coverage follows a "qualifying event". An example of a qualifying event would be if your hours were reduced or you lost your job (as long as there was no gross misconduct). Your employer must mail you the COBRA information and forms within 14 days after receiving notification of the qualifying event.

Will I receive a new ID card for COBRA coverage? Most carriers don't issue new ID cards for COBRA coverage; however, it's up to individual insurance carriers. If you have questions about your coverage or ID cards, contact your insurance provider.