Am I still covered by my employer?

Question

I recently left my job and I was wondering if the insurance company has to contact me to inform me that my coverage is no longer valid or should I assume that it no longer exists. I can still sign online and see it as active.
I am in Florida

Answer 1

Cobra coverage should have been discussed at exit interview; usually have 30 days

Answer 2

It depends on the companies policy. Some companies cancel insurance as of your last day worked while others cancel the insurance effective the last day of the month. Your HR department should be able to tell you which is accurate. You should receive notification of your COBRA rights within 30 days of your last day. You will have the option to continue your insurance, with no break in coverage. Your rate is 102% of your employer's full cost. (ie: employer pays 300 month for single coverage, your charge will be 306 month) The 2% "fee" is for administration of the cobra policy.

Even though the website shows you are active, it is possible they have not updated their site or the employer has not notified them yet. You will be responsible for any charges after the termination date, once this is updated.

Answer 3

There are lot of answers here that refer to COBRA. However, the employer is subject to the Federal laws of COBRA only if they had an average of 20 or more employees in the previous calendar year. Part time employees normally count as 1/2. If your employer only had 10 employees, there are no rights to COBRA continuation. However there may be some state continuation laws. You can find that out with your state's dept of insurance.

Answer 4

It depends if you have convertability options. A policy is considered "convertable" if you can take your group policy and turn it into an individual policy if you leave the company. Most insurance companies in FL say that you have to convert your policy within 30 days. If you want to convert, you need to contact your benefits administrator or the insurance company asap. It is possible that your ex benefits person forgot to terminate you with the insurance company. That may be why you can still see your policy as active.

Answer 5

they will send u a letter asking if u want to continue coverage with cobra which is like triple what u pay with ur company, and they usually terminate insure within the week or so of u leaving the company. but if ur still unsure contact the insurance company.

Answer 6

It is active up through whenever you paid for it. When it's taken out of your paycheck it is usally fro advance payment. So if you get paid every two weeks then the payment would be for two weeks. The employer must contact you about COBRA which allows you to continue coverage for a time BUT you pay all premiums and it is very expensive.

Answer 7

Well, sometimes they drop you the day after you stop working, sometimes its the last day of the month where you worked. It COULD be that they're going to drop you, but the website hasn't been updated yet. They CAN make it retroactive.

So, if I were you, I'd either call the employer, OR just assume it doesn't exist.

Answer 8

They policy is usually terminated after they stop taking it out of your check. So if you paid for the month of June, you still have it through the 30th. They usually send a Cobra insurance letter though

Answer 9

well you had better double check before assuming that any future doctor visits will be covered.

Answer 10

uh, isn't it your responsibility to ask them???