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Connecticut COBRA Insurance

Connecticut COBRA Insurance

If you live in Connecticut and recently lost, quit, or retired from your job (or your covered family member did) you may be eligible for either federal COBRA insurance or the CT COBRA extension plan, sometimes also called Connecticut COBRA or Connecticut Mini COBRA insurance. Both of these plans allow individuals and their family members to keep the same health insurance plan they had while they were working. COBRA programs at the state and federal level are meant to provide people with a temporary insurance option so that they do not go with out health care coverage.

The basics of both the CT COBRA insurance plan and the federal one are the same. With COBRA you have the option to keep your insurance plan for 18-36 months depending on the situation. The insurance plan will be exactly the same as it was when you were working (or the covered employee was working) with the same associated costs (deductibles and copayments), prescriptions, doctor network, etc. The main difference is that with COBRA you are responsible for paying the entire premium plus an administration fee. That means you must pay both what you contributed and what your employer contributed.

Who is Federal COBRA Insurance For?

Federal COBRA insurance is for people who worked at companies with at least 20 employees on the health insurance plan. Additionally you must have lost quit, or retired from your job without gross misconduct and must have been on the health insurance plan. Your dependents and spouse are also eligible for COBRA coverage at the federal level. In most situations, federal COBRA lasts 18 months except when COBRA is being used in the case of divorce, death, or loss of dependent status.

Who is Connecticut COBRA Insurance For?

Connecticut COBRA insurance is the same as federal COBRA, except it is for people who work at companies with between 2-19 employees on the health insurance plan and therefore can't get federal COBRA. The other qualifications for qualifying event (how you lost insurance) and qualifying beneficiaries are the same.

How Much Does CT Mini COBRA Cost?

Connecticut Mini COBRA is an expensive option for many people. The main reason is that with COBRA you have to pay the entire premium yourself, meaning both what you are used to paying and whatever your employer subsidized. Given most employers pay anywhere from 40-90% of health insurance costs, most people find with COBRA their cost doubles or even triples. In addition there is a 2% administration fee. The average family of four in CT spends over $1000 monthly to stay insured with COBRA.

How Do I Sign Up for Connecticut COBRA Coverage?

Signing up for CT Mini COBRA is a relatively easy process. You will receive COBRA election forms from your employer, which need to be completed within a 30-60 day window. On the form you will denote each person who will be using COBRA and you will send a premium payment with your election form. If you do not receive an election form, notify your employer immediately.

Are There Other Health Plans to Consider?

Luckily since COBRA in Connecticut is very costly, there are other plans to consider that can save you money. The most common option is to use a private individual or family plan that can offer almost identical coverage at a much lower cost. These plans are less expensive because you are only insuring you (and your family) rather than covering an entire company of people that may have all sorts of medical conditions. The average family saves 65% monthly, lowering their cost from over $1000 monthly to around $400. To find out if there is a better plan out there for you, get a free quote below and you can compare plans from major companies.

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Connecticut Frequently Asked Questions

Is there an option in Connecticut for people who work at smaller companies to use COBRA?

Fortunately, yes. In Connecticut there is a state program, usually called Connecticut COBRA or Connecticut Continuation, that essentially extends COBRA benefits to people who worked at companies with less than the 20 employees required under the federal law. Under this coverage, people can choose to continue to use their employer sponsored health plan after job loss.

How long does CT COBRA last?

Under the most common circumstances, CT COBRA will last for 18 months. At the end of the 18 months you will have to find a new insurance plan through a private company, the government, or a new employer. In some situations if there is a second qualifying event, coverage may be extended.

How much will it cost to keep using my group health insurance with Connecticut Mini COBRA?

Connecticut COBRA insurance can be very expensive and it will cost 102% of the monthly premium for the plan. Make sure to note that this isn't 102% of what you paid while working, but 102% of the whole premium, which consists of what you paid and what your employer paid.

I live in Connecticut and do not qualify for COBRA and can't afford a private plan, what options do I have?

In the state of Connecticut there are many programs to support people in your situation and make sure they can receive the health care they need. The best place to start your search is with the Connecticut Office of the Healthcare Advocate (OHA). You can contact your local office and explain your situation. They will then help you understand what options you have for care and help you choose the best one for you.

How will my prescription coverage work with Connecticut COBRA Continuation?

Since CT COBRA insurance is just a continuation of your prior group health insurance plan, the prescription coverage will be exactly the same. The cost of prescriptions, any co-payments, and what is covered will all be exactly the same as they were while you were employed.