Questions tagged [cobra]
For questions relating to COBRA, a US government program that gives some employees the ability to continue their health insurance coverage after leaving employment.
38
questions
1
vote
1
answer
206
views
Dependent is insured through COBRA, when they turn 26 can they elect COBRA again?
I was on my dad's insurance. When he retired in 2020, he went on Medicare, and enrolled me and my siblings in COBRA. I am about to turn 26. I know that "dependents may enroll in COBRA for up to ...
7
votes
2
answers
4k
views
Short term health insurance between jobs
My wife is changing jobs- her and the kids are currently on her employer's group health plan. She is changing employers unexpectedly- she has only been at this employer for about four months. She has ...
- 405
0
votes
0
answers
482
views
Former Employer is Asking me to Reimburse them for Cobra I never asked for
When I left my former employer, I purchased Health care through the exchange rather than go with Cobra. Apparently, they never canceled my health coverage and are now coming to me for back payment. ...
- 1
2
votes
1
answer
799
views
Cancelling COBRA coverage when offered health insurance with new employer
I have elected COBRA coverage from my previous employer because my husband is continuing treatment from a surgery he had just before my departure from the employer. Once I meet the eligibility date ...
- 21
2
votes
1
answer
71
views
Are COBRA plans subject to the same special enrollment rules as non-COBRA group plans?
I recently elected COBRA coverage, and a few weeks later my wife left her job. She has access to her own COBRA coverage from her job, but we'd prefer her to be on my plan rather than hers. My COBRA ...
- 123
2
votes
1
answer
585
views
Employer changing Healthcare provider during COBRA eligibility period -
I am currently on COBRA and my eligibility runs for several more months. My employer (who covers my COBRA) is changing healthcare providers. I assume they must let me continue under the new provider ...
- 21
2
votes
2
answers
4k
views
Can you keep on COBRA for medical and elect only dental and vision coverage from new employer?
Long story short, I am changing jobs and my new employer offers medical, dental, and vision. However, I've had a rough year and have finished paying all of my medical insurance's deductible and am ...
- 181
2
votes
1
answer
122
views
Is a layoff a QLE allowing one to elect different health plan offered by employer?
If one is laid off, one is allowed under Cobra to continue group based health insurance thru employer.
Does the layoff count as a QLE allowing one to change health coverage if an employer offers ...
- 1,183
2
votes
2
answers
95
views
Electing Cobra with HDHP after layoff
I have researched that if a COBRA plan is a HDHP, one can continue to contribute to their HSA.
How would one contribute to HSA pre-tax if laid-off?
Or
Would the HSA contributions be deducted on tax-...
- 1,183
2
votes
0
answers
81
views
Cobra or catastrophic insurance
I'm about to leave a job and go on a long bikepacking trip. At the end of the trip I will be going to grad school and getting student health insurance. This is all in the United States. I have decent ...
- 211
4
votes
1
answer
2k
views
If I get covered by a new healthcare plan in the middle of a month that is already covered by COBRA, will I get double coverage or a prorated refund?
I've been unemployed and have paid into the COBRA dental, vision, and healthcare plan of my previous employer, ever since being laid off from that job.
I submitted my last COBRA payment on February 1, ...
4
votes
2
answers
189
views
Employer Paid COBRA asking for reimbursement
Due to COVID I loss work.
I requested COBRA paperwork filled them out and returned them to my former employer I never received any bill or any request for payment. I never paid anything toward my ...
- 41
2
votes
2
answers
106
views
COBRA eligibility and plan transfer
United States (NYS specifically) here.
I am in somewhat of a unique position. I have a W2 (salaried) job that has full health, dental and vision benefits, and I have lined up another W2 job (full time,...
- 383
1
vote
1
answer
223
views
Can a dependent keep COBRA as secondary insurance as well as an (inferior) new employment group insurance?
Details:
The COBRA is for an awesome PPO insurance. Primary subscriber is about to start a new job. Both my child and I are dependents facing high medical and prescription costs in the next few months,...
- 111
3
votes
2
answers
446
views
How can I get a tax benefit from making COBRA payments?
I referred to these questions - Q1 and Q2 but it was long time back.
My old job is over, employer regular coverage was till end of Oct, 2019. Starting a contract job(Corp to Corp)-self employed(sole ...
- 133
8
votes
2
answers
545
views
What recourse do I have when my COBRA insurance provider refuses to pay my claims? (Presently enrolled and paid in full)
My COBRA health insurance provider won't pay for my prescriptions using excuses like they can't find me in their system or my group number is wrong even though nothing has changed.
I'm paid in full ...
- 81
2
votes
1
answer
173
views
Are you eligible for COBRA more than once?
I was laid off and used COBRA for 7 months. Started a new job and was employed for 6 months, quit the job because we moved. Am I entitled to COBRA again from the second job?
- 21
3
votes
2
answers
7k
views
During the cobra 60 days election period, can I go to the doctor?
I was recently terminated and my health insurance stopped working. I got the cobra option, but I didn't sign up to it yet as I have 60 days to do so.
My question is: Can I go to the doctor in this ...
- 151
3
votes
2
answers
815
views
COBRA and deductibles already paid
If I'd already paid five months of deductible expenses, should I elect for COBRA or buy my own insurance if there's only a $30 difference between the two?
- 31
7
votes
1
answer
287
views
Can I defer starting Medicare if 65 and on COBRA after a lay-off? (HSA, COBRA, and Medicare)
I turned 65 in February, am still working full-time, and have medical insurance through my company that qualifies me to defer signing up for Medicare. I've been contributing the maximum to my HSA ...
- 71
3
votes
1
answer
106
views
HSA unemployement lump sum
What are IRS rules regarding employment termination and employee pre-tax lump sum contribution to HSA account?
i.e. Jan 2019, Feb 2019 employee contributes 100 a week for total of $800 in HSA. ...
- 1,183
4
votes
1
answer
3k
views
Can COBRA-premiums be paid for pre-tax?
I have the option to remain on the previous employer's COBRA for the foreseable future. Their plan is much nicer than what my new employer is offering while being only a little more expensive.
...
- 141
2
votes
2
answers
2k
views
Am I formally insured during the COBRA election period if I ultimately choose not to elect coverage?
I have recently quit my job to freelance and I am now in a position where my old health insurance ends on 8/31, but my new health insurance can only begin as soon as 10/01. However, until 10/31, I can ...
- 123
4
votes
2
answers
26k
views
If I voluntarily change employers, can I keep my health insurance through COBRA?
I just accepted a new position at a different company. Awesome! But, I just had surgery (nothing too major) and hit the deductible on my HDHP. I'd like to keep my health insurance right now, since I ...
- 540
2
votes
2
answers
1k
views
New 1099 employee with Cobra insurance
I've just started my new job as a 1099 employee having worked as a full time employee for 4 months. For health insurance I'd like to do Cobra since my family has already met their deductibles for the ...
- 123
11
votes
1
answer
16k
views
Cobra insurance for two weeks, do I have to actually pay? Or can I retroactively buy it if needed?
I am leaving my job and will be without insurance for approximately two weeks. I have access to COBRA health insurance.
From here:
If, in those 45 days, you secure other coverage either through ...
- 4,186
2
votes
1
answer
160
views
cobra insurance
I retired this year, my last day of work was 4/4/15. due to unused pdo time I was on payroll until 6/19/15. At the end of August I recieved info from cobra about continuing my insurance/ I ...
- 21
0
votes
1
answer
151
views
Cobra and existing conditions with new insurance in the future question
Hope this is an okay place to post this question... So, I need to go to the doctor today but will be changing jobs as of next week and will have a period of time where I could potentially not be ...
- 475
0
votes
1
answer
389
views
COBRA and "in progress" expenses
I'm leaving my job in a few days, and I have significant "in progress" dental expenses.
I haven't received any official COBRA information yet. I'm worried that any appointments after my last day at ...
- 541
2
votes
1
answer
4k
views
Avoid Paying COBRA Premiums When Unused
I would like to avoid paying for Cobra insurance for a month between jobs if I do not use the insurance. It would not be a lapse in coverage for preexisting condition purposes.
Basically for the ...
- 298
1
vote
1
answer
596
views
Work as a contractor for my current employer rather than become a full time employee after my graduation for health insurance continued coverage
I intend to run my side business full time soon and was wondering whether it would be prudent to continue to be a contractor for my current employer rather than become a full time employee after my ...
- 453
3
votes
1
answer
185
views
Does COBRA eligibility depend on other health insurance options?
I left my job, and went on COBRA. I started a new job, but the health insurance offered at the new job is a worse value than the COBRA coverage. I'm still eligible for COBRA, right?
They happily ...
- 31
2
votes
2
answers
669
views
Health insurance lapsed due to employer fraud. How to get medications while in transition?
Recently my health insurance was cut off due to my parent's employer pulling some bookkeeping trick for the past few months where we were being given health insurance but it was off the books - ...
- 305
27
votes
1
answer
49k
views
How does retroactive COBRA coverage work?
I'm voluntarily leaving my job at the end of this month for a new position in a couple of weeks. At my new job, I have health care coverage effective my first day of work. My current coverage ...
- 1,931
9
votes
6
answers
17k
views
Are COBRA premiums deductible when self-employed?
Been Googling all day and can't find anything definitive.
I left my job in January of 2010, and have been working on a 1099 basis since then (as a sole proprietor). I have been paying COBRA premiums ...
- 3,571
5
votes
2
answers
259
views
What are the most common subtleties of COBRA continuation health coverage?
I'm leaving my job at the end of the month. I'd like to continue my health insurance that was part of the company benefits. What are the most common subtle ins/outs or gotchas for someone starting/...
- 951
3
votes
1
answer
2k
views
COBRA eligibilty if employer changes providers at time of contract signing?
I have a contract from July to June. I am a teacher. At my meeting to discuss my position in September, I will probably be told that my hours are going to be reduced and I will no longer be eligible ...
maureen competello
6
votes
1
answer
2k
views
Retroactive COBRA Premium Increase: Can my COBRA health insurance premiums be hiked retroactively?
I hope this is the right place to ask this, but if not let me know and I'll go away.
About 6 months ago I left a W-2 position to do independent consulting. Since then, I have been using my previous ...
- 161