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FLORIDA HEALTH INSURANCE

February 06, 2008

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Health Insurance Consultant -- Morgan Moran -- (800) 554-9142

Florida COBRA Health Insurance

COBRA Insurance

Here is a nightmare faced by many people; you've just become unemployed. Suddenly, you have no salary, and no health insurance. Right now, one of the last things you want to do is send a check to your ex-employer! However, that is exactly what you'll need to do. In most cases, you are likely eligible to be covered by your employer's COBRA health insurance plan. By paying the premiums yourself, you will be eligible to remain covered, without any lapse in benefits, by your former employer's health insurance plan.

What Is COBRA Health Insurance?

Prior to 1986, loss of employment would also mean loss of you and your families health insurance coverage (if they were also covered by your employer). In 1986, the Consolidated Omnibus Budget Reconciliation Act (COBRA) was passed. COBRA health insurance provides you the right to extend your employer-provided health insurance coverage. You continue to receive the same benefits, but at your own expense.

COBRA health insurance requires your former employer to offer extended health insurance coverage to covered employees, and their covered dependents. However, there are certain qualifying conditions. These conditions include the death of the employee, termination (fired, or laid off through no fault of the employee), a reduction in work hours except if due to gross employee misconduct, a spouse's divorce or legal separation from the covered employee, a covered employee being eligible for Medicare, or a child that loses his dependent status under the plan. The COBRA health insurance program covers many contingencies.

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