Virginia COBRA Continuation Coverage Election Notice
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FAQ
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.
Nothing changes with your health insurance coverage, but now you are responsible for paying the full monthly premium. In addition, you also have to pay a 2% COBRA administration fee. COBRA costs an average of $599 per month.
§ 15-409. The Virginia mini-COBRA law provides for 12 months of continuation coverage, except in the case of terminations for cause. The employer is required provide an election form within 14 days after the date that coverage would otherwise terminate.
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.
To be eligible for the continuation coverage, an individual must have been continuously insured under the group policy for the 3 months immediately before the termination of eligibility.
The Virginia mini-COBRA law provides for 12 months of continuation coverage, except in the case of terminations for cause. The employer is required provide an election form within 14 days after the date that coverage would otherwise terminate.
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.
The general notice describes general COBRA rights and employee obligations. This notice must be provided to each covered employee and each covered spouse of an employee who becomes covered under the plan. The notice must be provided within the first 90 days of coverage under the group health plan.
