More Questions Regarding COBRA Individual Health Insurance in Nevada
What Will COBRA Cover?
- Your covered health benefits under COBRA will be the same as those you had before you qualified for COBRA. For example, if you had coverage for medical, hospitalization, dental, vision, and prescription drug benefits before COBRA, you can continue coverage for all of these benefits under COBRA. If these benefits were covered under more than one plan (for example, a separate health insurance and dental insurance plan) you can choose to continue coverage under any or all of the plans. Life insurance is not covered by COBRA.
- If your employer changes the health benefits package after your qualifying event, you must be offered coverage identical to that available to other active employees who are covered under the plan.
What About Coverage For My Pre-Existing Condition?
- Because your group coverage is continuing, you will not be faced with a new pre-existing condition exclusion period under COBRA. However, if you were in the middle of a pre-existing condition exclusion period when your qualifying event occurred, you will have to finish it.
What Can I Be Charged For COBRA Coverage?
- You must pay the entire premium (employer and employee share, plus a 2% administrative fee) for COBRA continuation coverage.
- If you elect the 11-month disability extension, the premium will increase to 150% of the total cost of coverage. See below for more information about the disability extension.
- If you are eligible for the Health Coverage Tax Credit (HCTC), the federal government will pay 65% of your COBRA premium.
Resources:
- » Reviewing Health Insurance Policy Rules
- » Looking over Health Insurance Contract Terms
- » Problems with the Yearly Health Insurance Deductible
- » Problems Related to Health Insurance Procedure Codes
- » Problems Related to The Usual and Customary Rate (UCR)
Articles:
- » Health Insurance After a Layoff
- » A Variety of Health Insurance News Pieces
- » The Health of Health Insurance, Reform, and The Worst Places to be Uninsured
Nevada Consumers Guide to Health Insurance:
- » Introduction to A Consumer's Guide to Getting and Keeping Health Insurance in Nevada
- » A Summary of Your Protections Regarding Nevada Health Insurance
- » More Information on How You Are Protected under Nevada Health Insurance Laws
- » How Nevada Health Insurance Laws Do Not Protect You
- » Protections Under Nevada Group Health Plans
- » Retaining Parents Nevada Health Insurance Coverage
- » Limiting Nevada Health Insurance Coverage Due To Pre-Existing Conditions
- » Information on Credible and Continuous Nevada Health Insurance Coverage
- » More Information on Continuous Nevada Health Insurance Protection
- » Protection Limits and Leaving Nevada Group Health Insurance Coverage
- » Your Protections When Buying Individual Nevada Health Insurance
- » Being HIPAA Eligible to Buy Individual Nevada Health Insurance
- » What Individual Nevada Health Insurance Covers
- » Individual Nevada Health Insurance Pre-Existing Condition Coverage
- » More Questions About Individual Nevada Health Insurance
- » Continuing Nevada Health Insurance Through COBRA
- » Qualifying for COBRA Health Insurance Coverage in Nevada
- » More Questions Regarding COBRA Individual Health Insurance in Nevada
- » The Length of Cobra Health Insurance Coverage in Nevada
- » Information on Nevada Continuation Health Insurance Coverage
- » Nevada Health Insurance Conversion Policies
- » More Questions Regarding Nevada Conversion Health Insurance Policies
- » Nevada Health Insurance Protection for The Self-Employed or Small Employers
- » More Information on Nevada Health Insurance for Small Employers and The Self-Employed
- » Financial Assistance for Getting Nevada Health Insurance Coverage
- » Information About Nevada Medicaid Health Insurance Eligibility
- » Nevada Check Up Low-Income Health Insurance Program
- » Information About Nevada's Women's Health Connection Program
- » Information on The Federal Health Coverage Tax Credit
- » More Information on The Federal Health Coverage Tax Credit
- » Where To Obtain More Nevada Health Insurance Information
- » Helpful Terms Regarding Nevada Health Insurance
- » More Helpful Nevada Health Insurance Terms
- » More Useful Terms Regarding Nevada Health Insurance
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