Isn't it true...?

Question

That when you quit or are fired from a job that your health insurance lasts a month after wards?My hubby was let go from his job 2 weeks this coming Thursday. Last Friday when he went to the dentist,he had to pay,they said his insurance was no good.The week he got fired,they took out for our health insurance.

Answer 1

The best way to find this out would be to call your insurance carrier , because everyone is different in rules .

Answer 2

if he was let go, then he can use COBRA for 36 months. It's just a continuation of the coverage he had at his job, but usually the premiums are pretty high for an individual. I would advise him to sign up for 30 days of Short Term insurance until you can choose a new health insurance plan.

Answer 3

The answer to your question depends upon your State's insurance laws, so you might want to contact your state's insurance commissioner. Send me a message with the name of your state, I'll reply back with contact info.

I suggest you also look in your policy or Certificate of Insurance; look for a policy provision called, "Individual termination of insurance," or something of that nature. It should tell you when insurance terminates after employment ends.

If your husband worked for large employer (50 or more employees), he may qualify for COBRA coverage; however, he will have to pay 100% (plus a processing fee) of the premium for the coverage. Depending upon what your husband had done, this may amount to more than the services cost. He should speak with the Human Resources Dept. for COBRA information, although it's supposed to be mailed out automatically.

If you hubby worked for a small employer (< 50 employees), COBRA doesn't apply. Contact your State's insurance commissioner to see if there are any laws similar to COBRA.

I hope this helps.

Answer 4

That depends on what type of package or severance you were given when released from your job. One CAN go on COBRA with their current insurance company until such time you get a new job. That has to be done within a certain amount of time, however.

Answer 5

Based on my experience, when I quit my last position, my former employer said that I was covered till the end of the month (I quit on August 2). And if I still wanted to be covered, then I would need to pay however much to continue my coverage.

Answer 6

I think there is some sort of mistake. The mistake could have happened a week or two or longer. He should check with his job to see. They sometimes makes errors in sending in payments to proper accounts. When I lived in Mass it was for 3 months after leaving your job.You should check employment laws for your state.
You can information below and you can also file a complaint here.

Answer 7

I think that it depends on the terms of your plan, I know that most plans are required to let you continue your insurance by paying the premium at the company's rate. Dental plans typically have different rules than medical ones, though.

Answer 8

I know at my job it last 3 months...but it could depend on the company or the insurance you have

Answer 9

Usually it lasts for the rest of the month you're fired in, but it can be immediate. They should have offered you Cobra coverage, for the health part of it, which you would have to pay immediately - there's no grace period on Cobra payments.

Answer 10

Contact your husband's old company's HR dept., if they took out for it, he should be able to get the dentist visit paid for, but the company is under no obligation to continue his coverage.

He may have to option to continue the insurance at his own full expense however.