COBRA insurance Texas is a great option to consider if you’re facing a change of employment or are currently employed and can’t afford to purchase your own health plan. The COBRA program enables you to remain on an employer-sponsored plan, but pays your own medical bills for a limited time period. COBRA plans are not available for everyone; it’s a good idea to seek out your COBRA options if you are dissatisfied with your current health plan.
COBRA insurance Texas state law requires employers with more than 20 employees to give their employees and families the chance to extend their current health plan for a certain period of time when the current policy might otherwise end due to the COBRA legislation. COBRA coverage allows your employer to keep your premium payments intact while allowing you to maintain your health insurance coverage. If you don’t get COBRA insurance Texas coverage through your current employer, contact the human resources department to see what they have available for your specific situation.
There are several benefits that you can receive by getting COBRA insurance Texas. You will be able to continue to pay your monthly premiums, as well as getting reimbursed for your COBRA expenses if you experience a medical emergency. Your benefits are also extended if you are laid off or experience a death in the family, or if your employer does not hire you.
Another benefit of COBRA insurance Texas is that if you are injured or ill while on the job you’ll be covered by COBRA if you file a personal injury claim against your employer. COBRA provides you the opportunity to pursue medical expenses you may have incurred while working for your employer and receive payment for the lost wages and medical expenses that resulted from your accident. The COBRA regulations will also pay any other expenses related to your medical treatment.
Another advantage of COBRA is that if you become unemployed or lose your job, you can continue your COBRA benefits. It doesn’t matter if you work for an employer or a freelancer. If you are self-employed, the same advantages apply to you, and you may be eligible for additional COBRA benefits as long as you meet some basic qualifications.
One of the primary benefits of COBRA insurance Texas is that you can choose the policy level you wish to maintain. In most cases, you will continue to be covered by the same level of coverage provided during the first twelve months of employment or the first twenty-four months at the start of your new COBRA coverage. If you would like additional benefits or an alternative to COBRA coverage, contact the COBRA insurance Texas office to discuss your options.
If you are currently employed and still have COBRA health plan coverage, you can contact your COBRA Texas office to see if there are any changes you can make to your existing coverage. You should be able to discuss your individual circumstances with the COBRA representative without having to face any legal issues with your current employer. If you have questions about your coverage, you may need to speak with your employer first, but the COBRA representative should be able to provide you with valuable information on COBRA options. When choosing a COBRA insurance Texas plan, keep in mind that if you are looking to avoid losing out on your employer-paid health benefits, it’s a good idea to obtain the coverage you are eligible for from the state-sponsored plan and not from a non-covered company.
When considering COBRA Texas insurance, you can either choose to continue with your present employer’s plan or find a COBRA plan through a private organization or network. A private plan allows you greater flexibility because there are no restrictions on coverage levels and the COBRA representative can assist you in making a decision. COBRA insurance Texas will help to protect your rights and cover many of your current expenses should you become unemployed or lose your job. If you want more information, contact a COBRA Texas insurance office today.