COBRA Question?
I am currently unemployed and enjoy health coverage though my husband's situation. The coverage is not very suitable with glorious deductibles and no maternity coverage (really). I am not pregnant but may want to be contained by the next year or so.
If offered, I may embezzle a job that have excellent health benefits that start on sunshine one of employment. I am not sure if the position is going to be a great fit but I want to give it a try if it become available to me.
My question is this: If I establish to leave the investigational position after a short time am I eligible for COBRA since I already hold coverage with my husband's company? Do I entail to be taken off his policy surrounded by order to gain the health benefits through COBRA at the different company?
Are there any other COBRA issues that I am not considering? Thank you.
Answers:
You cannot have COBRA if your still on your husbands ins. Bite the bullet saty on your husbands ins. Besides COBRA is expensive, I enjoy it and I pay zilch out of poocket but it's not as expensive as not having ins. at adjectives.
from the best of my knowlege, you cannot have COBRA while underneath another insurance plan. I do know that with COBRA you usually hold to pay for adjectives services upfront, and wait to catch reimbursed from them. After 14 years in the pharmacy pasture I have answered that examine hundreds of times. I would recommend staying on your husbands plan if it is a good plan to cover your wants.
There are several issues you should consider first.
1) COBRA single applies to companies with 20 or more workers, for more than 50% of the previous year. Certain employer (such as churches, certain church groups, and the federal government) do not enjoy to offer COBRA. If you catch a job near a small employer, or with an employer type that doesn't propose it, you then enjoy to determine whether your state has comparable law that permit you verbs your coverage. Call your state's insurance commissioner's office or run to their web site to confirm this.
2) Make sure you confirm the plan covers parenthood services before you bring the job. This benefit is not mandatory within all states.
The reality that you currently have coverage through your husband's employer will NOT prevent you from elect COBRA under your unsullied employer's plan. To learn more something like COBRA, read this bulletin:
http://www.dol.gov/ebsa/pdf/cobraemploye...