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Cobra Health Insurance: What You Need To Know
By Joel J. Ohman

Cobra Health Insurance: What You Need To Know
By Joel J. Ohman
COBRA insurance is an area of insurance law that suffers from a certain degree of uncertainty and yet this law will affect the lives of many Americans at some point in their lives. This is not an obscure law that only affects a small number of people in limited special situations. COBRA (or the Consolidated Omnibus Budget Reconciliation Act of 1986) amends the Employee Retirement Income Security Act, the Internal Revenue Code and the Public Service Act to provide continuation of group coverage that otherwise might be terminated.

According to the US Department of Labor; COBRA provides certain former employees, retirees, spouses, former spouses, and dependent children the right to temporary continuation of coverage at group rates. This coverage, however, is only available when coverage is lost due to certain specific events. Group coverage for COBRA participants is usually more expensive than coverage for active employees, since usually the employer pays a part of the premium for active employees while COBRA participants generally pay the entire premium themselves. It is ordinarily less expensive, though, than individual coverage.

Generally speaking, if you are an employee at a company that has 20 or more employees and you leave your group plan (or your group plan terminates for some reason) for some reason other than gross negligence then you will be offered COBRA continuation coverage (There are also provisions for spouses and dependent children).

Practically speaking; should you elect the COBRA continuation coverage option? If you or your family has major issues then yes. If you and your family are relatively healthy then you will probably want to compare individual

We strive to provide only quality articles, so if there is a specific topic related to health that you would like us to cover, please contact us at any time.

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Pic	Weight Loss Surgery, Is It A Safe Option? By Anthony Bedore For the growing number of obese individuals, weight loss surgery is a reality that must at some point become a real consideration and alternative. Today, in the United States, obesity is quickly Read more...	Recognizing Blind Spots In Your Fat Loss Program By Bill Herren Have you heard the joke about the person who orders a large cheeseburger and super sized fries and then asks for a diet soda because they are on a diet? Although this is an exaggeration it is a Read more...
Pic	In this context, health is viewed holistically as an interacting system with mental, emotional and physical components. We define health as "a state of complete physical, mental and social well-being and not merely the absence of disease or infirmity" (WHO 1994). We also consider health as a basic and dynamic force in our daily lives, influenced by our circumstances, beliefs, culture and social, economic and physical environments. ...

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Whole House Water Filters:welcome Life At Each Step
By shally
Good health is important for both physical and emotional well being. Being healthy means that your body and mind function as they are supposed to. In fact good health is necessary for longevity. So, Read more...

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Shortage Of Radiographers Leads To Overseas Recruitment Drive
By S. Mallon
A shortage of crucial medical staff has seen an increase in the recruitment of radiography staff from abroad. The health sector seems to have consistent and sustained issues with Read more...

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Exercise Must For A Happy Life
By john
Life is the gift of nature to the mankind. It is our prime duty to take care of this time and live it fully so that there are no regrets. The famous saying in English says, “Health is wealth”. This Read more...

Food Supplements For Nutrition
By Syahrul Azlan Idris
One of the most significant concerns of people today is their health. Anyone would love to be able to say, with perfect confidence, that he or she is healthy. But being healthy is one of the most Read more...

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