COBRA - Covered Benefits, COBRA medical insurance information & FAQs

VIPER Health Insurance makes buying health insurance very easy. Individuals can learn all the most accurate and up-to-date information and resources about COBRA insurance continuation of health coverage and medical insurance benefits. VIPER serves the public as the Industry Standard Alternative to COBRA, offering popular temporary health insurance plans, short-term major medical insurance, and the most affordable COBRA alternative health insurance plans. VIPER Health Insurance has developed a place where individuals, families, businesses, and college graduates & college students can select an available health insurance plan and uniquely design the coverage to suite their financial needs.

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 are available in most state. To check if VIPER Health Insurance has an available plan in your state please see the 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

COBRA Information and Resources

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 Insurance Industry 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.

COBRA - Covered Benefits

Under COBRA, what benefits must be covered?

Qualified beneficiaries must be offered coverage identical to that available to similarly situated beneficiaries who are not receiving COBRA coverage under the plan (generally, the same coverage that the qualified beneficiary had immediately before qualifying for continuation coverage). A change in the benefits under the plan for the active employees will also apply to qualified beneficiaries. Qualified beneficiaries must be allowed to make the same choices given to non-COBRA beneficiaries under the plan, such as during periods of open enrollment by the plan.