Affordable COBRA Alternatives - VIPER Health Insurance offers low-cost health insurance coverage to individuals and families who may be in need of an affordable COBRA alternative. When an individual voluntarily or involuntarily loses their job they are also at risk of losing their health insurance coverage. The Consolidated Omnibus Budget Reconciliation Act commonly referred to as the acronym COBRA gives certain former employees, retirees, dependent children, spouses, and divorced spouses the right to the temporary continuation of health coverage at group rates. This temporary continuation of health insurance coverage is only available when health insurance coverage is lost due to certain specific events. Group medical coverage for COBRA insurance participants is usually more expensive than health insurance coverage for active employees, since most employers pay a portion of of the premium for active employees while individuals who qualify and participate in COBRA pay the entire premium themselves in order to continue receiving health insurance coverage.

Many individuals find themselves looking for an affordable COBRA alternative or temporary health insurance solution to protect them when health insurance coverage is lost under certain circumstances, such as voluntary or involuntary job loss, reduction in the number of hours worked, transition between jobs, death, divorce, and other life events.

Why Do Most Individuals CHOOSE VIPER® Affordable COBRA Alternative health insurance coverage?

VIPER Health Insurance has revolutionized and revitalized the health insurance experience. VIPER® is the official Insurance Industry Alternative to COBRA, and leading COBRA information site among consumers within the United States. Providing consumers with the most accurate and up-to-date COBRA Information, such as COBRA laws, COBRA FAQ's, and affordable COBRA alternatives.

Most individuals and families who decline COBRA tend to apply online for their states available VIPER® affordable COBRA alternative health insurance plan to help protect them from any unexpected accidents or illnesses that could be financially devastating. VIPER Health Insurance offers plans that are uniquely tailored and designed specifically for the consumer.

Are VIPER® Affordable COBRA Alternative Plans A Temporary Health Insurance Solution?
VIPER Health Insurance affordable COBRA alternative plans are specifically meant to fill the needs of individuals and families who may be in need of a temporary health insurance solution. VIPER® temporary health insurance is major medical health insurance offered to consumers on a temporary basis more commonly referred to as short-term major medical insurance.

What situations give rise to a need for a temporary health insurance solution?

Several common occurring situations create a possible need for a VIPER® temporary health insurance solution.

• Affordable COBRA Alternative Health Insurance Solution
• Between Jobs & Temporarily Without An Employer-Sponsored Health Plan
• Individuals Laid-Off From Their Job
• Waiting Period Before Receiving Group Coverage (Typically 90 day waiting period)
• College Students
• College Graduates
• Self Employed
• Employer Doesn't Offer Health Insurance Benefits
• Temporary Employment

 Note: The above list is only an example of the most common occurring situations that give rise to a need for VIPER® temporary health insurance coverage. Temporary health insurance and affordable COBRA alternative solutions are available to any individual or family that is need of a temporary affordable health insurance coverage. Child only health insurance coverage is also available.

What Medical Expenses Are Typically Covered By VIPER® Affordable COBRA Alternative Plans?

Affordable COBRA Alternative health insurance plans offer health benefits and coverage for a individuals and families for a broad range of medical services and medical expenses. Although VIPER® affordable COBRA alternative coverage and insurance benefits differs from plan to plan, plans will typically offer coverage for physician services, surgery, outpatient and inpatient care. After satisfying the deductible amount that has been selected by the insured, the affordable COBRA alternative health insurance plan will pay the co-insurance the insured selected for covered expenses, up to the plans lifetime maximum per insured person per coverage period. Benefits are limited to the usual, reasonable and customary charge for a covered expense in addition to any specific limits.

Doctor Office Visit
Physician Services
Prescription Drug Card
In-Hospital regular care charges
In-Hospital Intensive or Critical Care charges
Outpatient Hospital Surgery & Ambulatory Surgical Center charges
Out-Patient Emergency Room
In-Hospital Doctors visits
Surgeon and Anesthesiologist
Assistant Surgeon Services
Out-Patient or Doctors Office miscellaneous charges
Ambulance Services
Organ Transplants
Acquired Immune Deficiency Syndrome (AIDS)
Mammography
Pap Smear and Screens (Includes PSA)
X-Ray Exams, Laboratory
X-Ray and Radioactive
Blood
Organ Transplants

Do VIPER® Affordable COBRA Alternative Health Insurance Plans cover pre-existing conditions?

Like most health insurance policies, VIPER® affordable COBRA alternative health insurance plans do not cover pre-existing conditions. The pre-existing conditions limitation includes conditions that were treated or produced symptoms within five years prior to effective date of your VIPER® affordable COBRA alternative health insurance plan. However, some VIPER® affordable COBRA alternative plans like the Secure 12 x 3 STM gives the insured the opportunity to submit a simplified application form and re-apply within 30 days prior to the termination date of coverage, if the application is approved in underwriting, a new coverage period will be issued and the effective date will be the first day following the termination date of insured's coverage period. The insured will then receive a new certificate of insurance and new deductibles and co-insurance will apply. However, the pre-existing conditions limitations will not apply to any condition(s) that were covered during a prior prior coverage period. Any other pre-existing conditions will remain subject to the pre-existing conditions limitation as described in the certificate of insurance.

Are VIPER® Affordable COBRA Alternative plans considered "creditable coverage" under HIPAA?

Under HIPAA, affordable COBRA Alternative plans like short-term major medical insurance coverage is generally considered creditable coverage to help satisfy any pre-existing condition period.

Note: All health insurance, health insurance coverage, and affordable COBRA alternative plans offered through VIPER Health Insurance are generally considered "creditable coverage" under the Health Insurance Portability and Accountability Act of 1996(HIPAA)