COBRA Alternative

If you are having any health problems or conditions, if you are pregnant or think you may be pregnant you need to elect Cobra and pay those premiums. A temporary health plan will not cover pre-existing  conditions. If you are in good health and you know you will be going to another company soon that has a good health plan, you may want to consider a lower cost alternative. A temporary health plan can cover you for 30 days up to 6 months and even longer.

We are a private health insurance brokerage agency. You have to qualify by being in good health for the plans we offer.

Cobra is the Consolidated Omnibus Budget Reconciliation Act of 1985. Cobra generally requires that employers having group health insurance plans with 20 or more employees offer workers and their families the opportunity to temporarily extend their health insurance coverage in instances where they are leaving the job.
 
In most cases the coverage is for 18 months. You are required to pay the full cost of the insurance plus a 2% administrative fee. In cases where the employer was paying a good portion of the monthly premium, the rate you may have to pay under Cobra may be quite expensive. If you have any questions about your Cobra benefits contact your employer group health insurance plan administrator.
 
For further information from the U.S. Department of Labor, Pension and Welfare Benefits Administration. For Cobra appeals information or notification rights, you may contact: U.S. Department of Labor Pension and Welfare Benefits Administration Division of Technical Assistance and Inquiries 200 Constitution Ave., NW (Room N-5658) Washington, D.C. 20210 (202) 219-8784 or (202) 219-8776.

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