Rhode Island COBRA Continuation Coverage Election Notice
Description
How to fill out COBRA Continuation Coverage Election Notice?
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FAQ
On Average, The Monthly COBRA Premium Cost Is $400 700 Per Person. Continuing on an employer's major medical health plan with COBRA is expensive.
COBRA the Consolidated Omnibus Budget Reconciliation Act -- requires group health plans to offer continuation coverage to covered employees, former employees, spouses, former spouses, and dependent children when group health coverage would otherwise be lost due to certain events.
Federal law requires that most group health plans (including this Plan) give employees and their families the opportunity to continue their health care coverage through COBRA continuation coverage when there's a qualifying event that would result in a loss of coverage under an employer's plan.
COBRA is a federal law about health insurance. If you lose or leave your job, COBRA lets you keep your existing employer-based coverage for at least the next 18 months. Your existing healthcare plan will now cost you more. Under COBRA, you pay the whole premium including the share your former employer used to pay.
Insured group hospital, surgical, dental, vision, or medical insurance plans must provide up to 18 months' continuation coverage to individuals who would otherwise lose coverage because of an involuntary layoff, a workplace ceasing to exist, a permanent reduction in size of the workforce, or the death of an employee (
COBRA requires that continuation coverage extend from the date of the qualifying event for a limited period of time of 18 or 36 months.
COBRA is always retroactive to the day after your previous coverage ends, and you'll need to pay your premiums for that period too. One advantage of enrolling right away is that you can keep seeing doctors and filling prescriptions without a break in coverage. COBRA allows you to keep the exact same benefits as before.
Rhode Island's continuation coverage law provides up to 18 months of continuation coverage under certain circumstances.
How long does it take for COBRA to kick in? With all paperwork properly submitted, your COBRA coverage should begin on the first day of your qualifying event (for example, the first day you are no longer with your employer), ensuring no gaps in your coverage.
COBRA generally requires that group health plans sponsored by employers with 20 or more employees in the prior year offer employees and their families the opportunity for a temporary extension of health coverage (called continuation coverage) in certain instances where coverage under the plan would otherwise end.
