Rhode Island Introductory COBRA Letter
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How to fill out Introductory COBRA Letter?
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FAQ
You can apply for Individual and Family coverage at HealthSource RI by visiting or by calling 1-2010855-2010840-20104774. You can also learn more about Medicaid and RIte Care by contacting the Rhode Island Department of Human Services at 1-2010855-2010574-20102856 or by visiting EOHHS.RI.gov.
Insured group hospital, surgical, dental, vision, or medical insurance plans must provide up to 18 months' continuation coverage to individuals who would otherwise lose coverage because of an involuntary layoff, a workplace ceasing to exist, a permanent reduction in size of the workforce, or the death of an employee (
On Average, The Monthly COBRA Premium Cost Is $400 700 Per Person. Continuing on an employer's major medical health plan with COBRA is expensive.
The COBRA Notice informs the qualified beneficiary of their rights under COBRA law, and the form allows the qualified beneficiary to elect COBRA coverage to continue enrollment in benefits.
COBRA is a federal law about health insurance. If you lose or leave your job, COBRA lets you keep your existing employer-based coverage for at least the next 18 months. Your existing healthcare plan will now cost you more. Under COBRA, you pay the whole premium including the share your former employer used to pay.
There are several other scenarios that may explain why you received a COBRA continuation notice even if you've been in your current position for a long time: You may be enrolled in a new plan annually and, therefore, receive a notice each year. Your employer may have just begun offering a health insurance plan.
The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss,
How long does it take for COBRA to kick in? With all paperwork properly submitted, your COBRA coverage should begin on the first day of your qualifying event (for example, the first day you are no longer with your employer), ensuring no gaps in your coverage.
Rhode Island's continuation coverage law provides up to 18 months of continuation coverage under certain circumstances.
The COBRA Rights Notification Letter Template contains a model form of the letter that all employees must receive either from their employer or from the benefit plan administrator of their benefit plans.
