COBRA Information and Resources

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.



What Does COBRA Continuation Coverage Do?

What exactly does COBRA health insurance continuation coverage do?
COBRA Continuation Health Coverage provides certain former employees, retirees, spouses, former spouses, and dependent children the right to the temporary continuation of health coverage at group rates. This coverage, however, is only available when coverage is lost due to certain specific events. Group health coverage for COBRA medical insurance participants is usually more expensive than health 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 permanent individual health coverage, which can be too expensive for an individual looking for a temporary health insurance solution or more affordable health coverage option when health 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.

COBRA information and Frequently Asked Questions FAQs

Learn more about COBRA continuation of health insurance by selecting a link below.

• What does COBRA Continuation Health Coverage do?
• Who is entitled to benefits under COBRA?
• Plan Coverage
• Qualified Beneficiaries
• Qualifying Events
• Qualifying Events for Employees
• Qualifying Events for Spouses
• Qualifying Events for Dependent Children
• What group health plans are subject to COBRA?
• What process must individuals follow to elect COBRA continuation coverage?
• How long after a qualifying event do I have to elect COBRA coverage?
• How do I file a COBRA claim for benefits?
• Can individuals qualify for longer periods of COBRA continuation coverage?
• Is a divorced spouse entitled to COBRA coverage from their former spouses’ group health plan?
• If I waive COBRA coverage during the election period, can I still get coverage at a later date?
• Under COBRA, what benefits must be covered?
• When does COBRA coverage begin?
• How long does COBRA coverage last?
• Who pays for COBRA coverage?
• If I elect COBRA, how much do I pay?
• Can I receive COBRA benefits while on FMLA leave?
• What is the Federal Government's role in COBRA?
• I am a federal employee. Can I receive benefits under COBRA?
• Am I eligible for COBRA if my company closed or went bankrupt and there is no health plan?
• How do I find out about COBRA coverage and how do I elect to take it?
• Frequently asked COBRA health insurance questions