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Filing a COBRA Insurance Claim

Posted on: September 13th, 2012 by Kristen Marie

Filing a claim for COBRA health insurance benefits can feel intimidating the first time you do it, but since it is just a continuation of the insurance plan you had, all you have to do is follow the same procedure as when you were employed. For most insurers this will include saving a receipt, filling out a written insurance claim form, and mailing the form and receipt into the insurance company. Reimbursements usually take 4-8 weeks for processing.

If you waited to sign up for COBRA insurance until the end of the sixty days window for enrollment and incurred medical expenses during that time, you can also submit reimbursements and claims to your COBRA administrator because COBRA is retroactive. Since COBRA is retroactive back to the date you lost coverage, everything is covered during that 60 days. Follow the procedure in the Plan Summary Guide from your insurer to submit a claim correctly.

If you want to make a claim against your employer for failing to send you an enrollment form or making another mistake with you COBRA coverage, you can contact the Department of Labor who oversees all issues with the COBRA law, or Consolidated Omnibus Budget Reconciliation Act.

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