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State COBRA Law DirectoryThis turned from a small project into a big one, simple because there is so much material connectecd to COBRA, namley, State codes, medicare and high risk pools.
California: Cal-COBRA requires every group health plan contract providing health and disability coverage to small employers with 2 to 19 eligible employees Connecticut: Public Act 97-268 mirrors federal law, with the exception of giving disabled individuals continuation benefits for 29 months, instead of the 36 months. Colorado:2 employees in Colorado as of Jan 1, 1998, can get COBRA. if you are declined for coverage because of pre-existing conditions, you will be eligible for the Colorado Uninsurable Health Insurance Plan, called CUHIP. This is a state-run program for people in this situation. Delaware: Delaware does not have a state continuation coverage requirement Florida: The Florida Health Insurance Coverage Continuation Act requires insurance companies to offer an 18-month continuation for groups of 2-19. However, the employee must request the extension within 30 days of termination. Georgia: Georgia Continuation applies when the employer has had less than twenty employees for six months in the prior calendar year. Groups of from 2-19 3 months qualify for 3 months. Illinois: Plans with 2-19 employees can qualify for 18 months Indiana: If you were denied coverage, "Comprehensive Health Insurance" for State residents, law IC 27-8-10 Iowa: Iowa Code Chapter 509B and Regulation 29 provide for continuation and conversion of group insurance. the provisions are not identical to Federal Cobra. For high risk applicants, consider the Iowa Comprehensive Health Association. Employer plans of from 2-19 participants can qualify for 9 months. Kansas: Plans with 2-19 employees can qualify for 9 months. Kentucky: Plans with 2-19 employees can qualify for 18 months. Louisiana: Louisiana passed Regulation 68, a "mini-COBRA" state law that provides similar coverage for many people not included under the federal COBRA law. Plans with 2-19 employees can qualify for 12 months. This high risk pool is called the Louisiana Health Insurance Association. Maine: Plans with 2-19 employees can qualify for 12 months. Maryland: Plans with 2-19 employees can qualify for 18 months. Massachusetts: Consumer service page on COBRA. 1-617-521-7777. Employers contact Regulated Industries Division 1-617-727-2200. Plans with 2-19 employees can qualify for 18 months. Minnesota: Plans with 2-19 employees can qualify for 18 months. Mississippi: Plans with 2-19 employees can qualify for 12 months. Missouri: Missouri Revised Statute Chapter 376 Section 376.428 Group health policies to continue for a period of time after termination of employment. This applies to employees employed by an employer with less than 20 employees.and allows an employee to continue his group health coverage for 9 months. Nebraska: Plans with 2-19 employees can qualify for 6 months. New Hampshire: State health insurance bulletins. NH Department of Labor 1-603-271-3176. Complaints New Jersey: Plans with 2-19 employees can qualify for 12 months. Guaranteed issue law that require insurers to cover anyone who applies. Employers responsibilities fact sheet page, the NJ COBRA notice. Email questions, or call 1-609-292-7524. New Mexico: Plans with 2-19 employees can qualify for 6 months. New York: Guaranteed issue law that require insurers to cover anyone who applies, and plans with 2-19 employees can qualify for 18 months anyway. Nevada: NRS 689B.245 Required provision concerning continuation of coverage. along side NRS 689B.246 Notice of eligibility or election to continue coverage, and NRS 689B.249 Termination of continued coverage before end of period. Plans with 2-19 employees can qualify for 18 months. North Carolina Plans with 2-19 employees can qualify for 18 months. North Dakota: Plans with 2-19 employees can qualify for 39 weeks. 26.1-36-23. Continuation of group hospital, surgical, and major medical coverage after termination of employment or membership. A group policy or certificate of insurance or certificate on a master policy of a group as defined by subsection 6 of section 26.1-02-05 Ohio: Plans with 10-19 employees can qualify for 6 months.Section 3923.38 of the Ohio Revised Code. Titled: Employee's privilege to continue coverage upon termination of employment. Oklahoma: Plans with 2-19 employees can qualify for 1 month. Oregon: Plans with 2-19 employees can qualify for 6 months. Rhode Island: Plans with 2-19 employees can qualify for 18 months. South Carolina: Plans with 2-19 employees can qualify for 6 months. South Dakota: Plans with 2-19 employees can qualify for 18 months. Tennessee: Plans with 2-19 employees can qualify for 3 months. |
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