Cobra Can Help You

Cobra helps by allowing former employees with an organization and there dependents the option to continue health care coverage at a group rate

. The Cobra health care coverage is usually more expensive then what you would have been paying if the person were still employed with the specific business. Since ether premiums for normal health care are usually covered by the employer they are no longer paid after the employee leaves the corporation. This is also available for any spouse that is working and the other isn't the cobra benefit can help both partners maintain proper health care coverage for certain event.

Cobra can be used as soon as the qualifying date of a specific event the election on whether you want to continue cobra health care coverage must be made within 60 days of that event. Then as long as the premiums for cobra are paid in a timely manner they can continue for approximately 36 months. If you are unemployed and then are hired into another job it might coincide with the new jobs health care plan when it takes affect since most companies require about 30 days before your actual benefits will kick in. using the benefit for cobra isn't mandatory but a wise idea to continue to maintain the coverage you need for your family.

The benefit of having cobra after your loss of unemployment, helps because, you will carry the same health care coverage that you had when you were employed. It still covers the basics such as physician care, surgery, prescription drugs, and any additional dental or vision care that you carried prior to your circumstances. The one thing that's not covered under the cobra act is life insurance that will still need to be paid separately from Cobra.

The first premium for cobra coverage should be expected within 45 days of the initial qualifying event that takes place. He cost of the program is by federal law not to be more than one hundred and two percent of the original premium paid by the organization. Cobra is an important benefit that was raised and passed in congress to help those continue coverage as long as it is needed. There are always additional laws and changes in medical regulations so always keep in touch with your health care provider through cobra to determine if any new changes affect you or your family's benefits.

by: Ethan Kalvin

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