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Continuing Nevada Health Insurance Through COBRA

Cobra and State Continuation Coverage

When Do I Have To Be Offered COBRA Coverage?

If you are leaving your job and you had group coverage, you may be able to stay in your plan an extended time through COBRA or state continuation coverage. The information presented below was taken from publications prepared by the U.S. Department of Labor. You should contact them for more information about your rights under COBRA.

• To qualify for COBRA continuation coverage, you must meet 3 criteria: First, you must work for an employer with 20 or more employees. If you work for an employer with 2-19 employees, you may qualify for state continuation coverage. Second, you must be covered under the employer's group health plan as an employee or as the spouse or dependent child of an employee. Finally, you must have a qualifying event that would cause you to lose your group health coverage.

COBRA Qualifying Events

For employees

• Voluntary or involuntary termination of employment for reasons other than gross misconduct
• Reduction in numbers of hours worked

For spouses

• Loss of coverage by the employee because of one of the qualifying events listed above
• Covered employee becomes eligible for Medicare
• Divorce or legal separation of the covered employee
• Death of the covered employee

For dependent children

• Loss of coverage because of any of the qualifying events listed for spouses
• Loss of status as a dependent child under the plan rules

• Each person who is eligible for COBRA continuation can make his or her own decision. If your dependents were covered under your employer plan, they may independently elect COBRA coverage as well.
• To qualify as HIPAA eligible, you must use up any COBRA continuation coverage available to you.
• You must be notified of your COBRA rights when you join the group health plan, and again if you qualify for COBRA coverage. The notice rules are somewhat complicated and you should contact the U.S. Department of Labor for more information.