Home > California Cobra Health Insurance

California COBRA Health Insurance

Compare California COBRA Health Insurance Quotes Instantly Online

To compare various California COBRA health insurance quotes, QuoteBroker.com provides several California COBRA health insurance rates and policies from some of the top California COBRA health insurance providers. A California COBRA health insurance plan is the essential supplemental insurance plan for eligible workers when they are between jobs. Due to the gaps in health care coverage while enrolling in a new plan, it is critical that families stay insured with a California COBRA health insurance policy during times of transition.

Acquiring a California COBRA health insurance plan can be a sound solution for many individuals facing employment hardships. California COBRA insurance continuation plans extend the health coverage benefits of the most recent employer. For eligible California COBRA health insurance applicants, QuoteBroker.com provides multiple California COBRA health insurance quotes to compare. Selecting an affordable California COBRA insurance policy is a only a click away.

Seeking a California COBRA Health Insurance Plan?
Receive Instant Online California COBRA Health Insurance Rates
For More Information on California COBRA Insurance Rates, Click Here.
Or Speak to a California COBRA Health Insurance Quotes Specialist at: 1-800-783-0802

QuoteBroker.com compiles competitive California COBRA health insurance quotes and California COBRA insurance rates from various leading insurance companies. We make comparing California COBRA health insurance benefits offered by different California COBRA plans easy and convenient. Discover the California COBRA health insurance policy most suitable for your budget and lifestyle.

Learn The Basics About California COBRA Health Insurance Coverage

What is California COBRA health insurance?

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) is a requirement for most employers to offer employees a temporary continuation of their group health care coverage. This continuation coverage is sustained under the employer's plan if the original coverage would otherwise discontinue due to termination, layoff or other changes in employment status. California COBRA health insurance plans are an extension of COBRA-like benefits. California COBRA health insurance coverage is unique because it provides California COBRA health insurance benefits to employees and their dependents in firms of less than 20 employees (as opposed to the basic COBRA requirement of needed 20 or more employees within the firm).

In other words, California COBRA health insurance policies apply to all non-government employers of 2-19 employees who lose their health care coverage under a group health insurance plan.

Seeking a California COBRA Health Insurance Plan?
Receive Instant Online California COBRA Health Insurance Rates
For More Information on California COBRA Insurance Rates, Click Here.
Or Speak to a California COBRA Health Insurance Quotes Specialist at: 1-800-783-0802

What plans are subject to California COBRA health insurance coverage?

Nearly all group health care plans maintained by employers are subject to California COBRA health insurance coverage. California COBRA insurance coverage typically include group health plans of corporations, tax exempt organizations, partnerships, as well as state and local governments. California COBRA health insurance policies may also include health care spending accounts.

Which employees and dependents are eligible under a California COBRA health insurance plan?

A California COBRA health insurance plan typically includes all qualified beneficiaries. Qualified beneficiaries under a California COBRA insurance plan are the dependent spouse and children of the employee who is enrolled in the employer's health care plan at the time of a qualifying event. The qualified beneficiaries are typically eligible for California COBRA insurance, unless the individual:

• becomes covered under another group benefit plan
• becomes eligible for federal COBRA (different from California COBRA health insurance)
• fails to notify the California COBRA health insurance provider of a qualifying event in the time specified by the law
• fails to pay the California COBRA insurance plan premium on a timely basis
• becomes eligible for Medicare
• becomes eligible for Medi-Cal

Under California COBRA health insurance, are newborns and adopted children considered qualified beneficiaries?

Yes. Under California COBRA health insurance, a child who is "born to or placed for adoption with the covered employee during the period of continuation coverage under [Code §490B, the California COBRA insurance code's provisions]" is designated a qualified California COBRA insurance beneficiary.

Seeking a California COBRA Health Insurance Policy?
Receive Instant Online California COBRA Health Insurance Rates
For More Information on California COBRA Insurance Rates, Click Here.
Or Speak to a California COBRA Insurance Quotes Specialist at: 1-800-783-0802

Does each California COBRA insurance qualified beneficiary have independent
election rights under the California COBRA health insurance policy?

In most cases, yes. A California COBRA health insurance policy requires that each qualified California COBRA insurance beneficiary be able to elect their California COBRA coverage. If there is a choice among types of California COBRA health insurance coverage under the California COBRA insurance plan, each qualified California COBRA insurance beneficiary is entitled to make a separate election among the different California COBRA health insurance options during open enrollment.

How long does California COBRA health insurance coverage last?

The life of California COBRA health insurance coverage depends on the qualifying event:

• If the qualifying event is from termination of employment or a reduction in hours, the qualified California COBRA insurance beneficiary can maintain California COBRA health insurance coverage for at least 18 months.
• If the qualifying event is due to a reason other than termination of employment or a reduction in hours, the California COBRA health insurance coverage will usually last for up to 36 months.
• After January 1, 1999, employees who are 60 years or older when they become eligible for a California COBRA insurance policy and have sustained consistent employment for at least five years may continue their California COBRA health insurance coverage until they turn 65.

California COBRA insurance policies cover which plan benefits?

California COBRA insurance policies typically cover many benefits, including:

• California COBRA health insurance
• California COBRA dental insurance
• California COBRA vision insurance

If a provider offers a California COBRA health insurance policy with these benefits, it may not be required for the California COBRA health insurance provider to offer only California COBRA dental insurance or California COBRA vision insurance under a sole California COBRA insurance policy.

Searching for Cal-COBRA Health Insurance Plans?
Receive Instant Online California COBRA Health Insurance Rates
For More Information on California COBRA Insurance Rates, Click Here.
Or Speak to a California COBRA Health Insurance Quotes Specialist at: 1-800-783-0802

What plans are not subject to California COBRA health insurance?

• Small employer plans are usually entirely exempt from California COBRA health insurance plans. In rare cases a "small employer plan exception" is allowed for California COBRA health insurance coverage.
• The Federal government's group health plan is typically not subject to California COBRA health insurance coverage. However, the Federal Employees Health Benefits Amendments Act of 1988 requires the Federal government to offer its employees California COBRA health insurance coverage (effective January 1, 1990).
• Certain church plans are typically not subject to California COBRA health insurance plans. The IRS has determined that a plan for employees of a higher learning institute under church auspices was considered a church plan, and that plan was not subject to California COBRA health insurance coverage.

How much do employers pay for California COBRA health insurance plans?

For most California COBRA health insurance plans, employers pay 110 percent of the cost of their group coverage. However, qualified beneficiaries who are entirely disabled (which is determined by the Social Security Administration) can continue their California COBRA insurance coverage for up to an additional 11 months beyond the initial 18 months. In this case, a California COBRA plan is usually sustained by paying 150 percent of the California COBRA health insurance premium for the additional 11 months.

How do I notify my California COBRA health insurance provider of a qualifying event?

Each California COBRA insurance provider handles California COBRA health insurance notification differently. Most California COBRA health insurance providers require you to mail or fax a form to their California COBRA insurance department. For instance, Blue Cross California COBRA health insurance customers have a designated Blue Cross California COBRA health insurance coverage system for the notification of a qualifying event. Blue Cross California COBRA self-insured plans and Blue Cross California COBRA quotes are just one of the many considerable California COBRA insurance options on QuoteBroker.com

QuoteBroker.com provides several California COBRA health insurance quotes from some of the top California COBRA health insurance providers. A California COBRA health insurance plan is the essential supplemental insurance plan for eligible workers when they are between jobs. Due to the gaps in health care coverage while enrolling in a new plan, it is critical that families stay insured with California COBRA health insurance during times of transition.

Seeking a California COBRA Health Insurance Plan?
Receive Instant Online California COBRA Insurance Rates
For More Information on California COBRA Health Insurance Rates, Click Here.
Or Speak to a California COBRA Health Insurance Quotes Specialist at: 1-800-783-0802

California COBRA Health Insurance Disclaimer: California COBRA is a law and it is not a specific insurance plan or company. The above California COBRA health insurance questions and California COBRA insurance answers provided on QuoteBroker.com is basic California COBRA insurance information, and is not intended to substitute medical, legal, tax, investment, governmental, or other California COBRA health insurance advice. California COBRA health insurance inquiries, California COBRA insurance replies or California COBRA health insurance information compiled on QuoteBroker.com may not be completely accurate but is intended to be helpful for individuals interested in comparing California COBRA health insurance quotes.