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VIPER is a Registered Trademark of VIPER Health Insurance
"VIPER delivers an outstanding website with tons of COBRA insurance information, I will recommend this site to anyone."
Chris A. - Portland, Oregon
Welcome to VIPER Health Insurance - If you're interested in learning more about COBRA Continuation Health Coverage or VIPER® affordable COBRA alternatives, you've come to the right place. VIPER® Health Insurance is the industry standard alternative to COBRA, and the industry leading information site on COBRA Continuation Health Coverage. This website is jam-packed with useful information, FAQs, articles, resources, and services geared to help employees better understand their rights and the laws pertaining to COBRA Continuation Health Coverage.
How do I find out about COBRA coverage and how do I elect to take it?
Employers or health plan administrators must provide an initial general notice if you are entitled to COBRA benefits. You probably received the initial notice about COBRA coverage when you were hired.
When you are no longer eligible for health coverage, your employer has to provide you with a specific notice regarding your rights to COBRA continuation benefits.
Employers must notify their plan administrators within 30 days after an employee's termination or after a reduction in hours that causes and employee to lose health benefits.
The plan administrator must provide notice to individual employees of their right to elect COBRA coverage within 14 days after the administrator has received notice from the employer.
You must respond to this notice and elect COBRA coverage by the 60th day after the written notice is sent or the day health care coverage ceased, whichever is later. Otherwise, you will lose all rights to COBRA benefits.
Spouses and dependent children covered under your health plan have an independent right to elect COBRA coverage upon your termination or reduction in hours. If, for instance, you have a family member with an illness at the time you are laid off, that person alone can elect coverage.
COBRA information and Frequently Asked Questions FAQs
Learn more about COBRA continuation of health insurance by selecting a link below.
Copyright © 2006 viperhealthinsurance.com
Any and all information about Temporary health insurance, short-term major medical insurance, COBRA insurance, and any other health insurance information or resources being offered through this website or any VIPER Health Insurance official affiliate websites is not intended as legal advice, but is provided for the general public as general information. Facts, circumstances, and the application of particular laws will differ in individual circumstances. Temporary health insurance plans, short-term major medical insurance plans, and affordable COBRA alternative health insurance plans may not be available in all state. To check if VIPER Health Insurance has an available plan in your state please see list below or check state availability.
Offering Temporary health insurance, short-term major medical insurance, and affordable COBRA alternative plans in most of the following states:
Alabama AL, Alaska AK, Arizona AZ, Arkansas AR, California CA, Colorado CO, Connecticut CT, Delaware DE, District of Columbia D.C., Florida FL, Georgia GA, Hawaii HI, Idaho ID, Illinois IL, Indiana IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA, Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV, New Hampshire NH, New Jersey NJ, New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA, Rhode Island RI, South Carolina SC, South Dakota SD, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VA, Washington WA, West Virginia WV, Wisconsin WI, Wyoming WY
