California Cal-Cobra
(Insurance Code §10128.50   Our site with annotations)

Cal COBRA allows one, be they the employee, spouse or child to  keep their prior Employer Group Medical Insurance Coverage when you lose your job or have another qualifying event.  Some examples are:

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Cal COBRA coverage extends for 18 months after Federal COBRA which covers employers of 20 or more, expires, even if you were an owner or partner of the company.  If you worked for a Small Employer, under 20 employees, Cal COBRA provides the entire 36 months of coverage.  When Cal COBRA ends, we can help you obtain, buy Coverage, (HIPAA is no longer available) coverage for your new business or an Individual & Family Plan. (SB 719, California Continuation Benefits Replacement Act §10128.50 et seq. ,  §1366.2,  AB 1401 )  

On the other hand, with Guaranteed Issue Health Care Reform, we don’t think COBRA or Cal COBRA carries the tremendous value that it did in the past.   Covered CA explanation of Cobra vs ObamaCare.

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Employee’s guide to COBRA –
Department of Labor

Art Gallagher 

What Is COBRA Continuation Coverage? 
Who Is Entitled to Continuation Coverage? 
Your COBRA Rights and Responsibilities:
Notice and Election Procedures 
Benefits under Continuation Coverage
Duration of Continuation Coverage
Chart: Summary of Qualifying Events,
Qualified Beneficiaries, and
Maximum Periods of Continuation Coverage
Paying for Continuation Coverage

Employee’s guide to COBRA – Department of Labor

Art Gallagher 

Covered CA Appointment Instructions

Click here for instructions  to appoint us as your agent for FREE year around support.   There is no more pre-exisiting condition clause and even though it's not Open Enrollment, when you lose group coverage is a Qualifying Event that gives you 60 days to enroll in an Individual Plan.

18 comments on “California Cal-COBRA 36 months total coverage

  1. We have employer insurance cobra package Kaiser HMO & Met Life dental insurance,

    I have been told by Kaiser I can get cal cobra for an additional 18 months

    we currently pay $1,182.37 a month for health, dental & vision insurance through cobra.

    1) can we get the same coverage on Health, dental & vision with cal cobra?
    2) Will it cost the same amount?
    3) Where or how can we set up cal-cobra as our cobra coverage expires in September.
    4) Will cal-cobra cover us for 18 months or more?
    5)will the cal-cobra coverage be the exact same coverage I have currently for the same amount?

    • 1. Yes. Please review the Cal COBRA information at the top of the page for verification I don’t believe dental & vision are protected by Cal COBRA, but there is nothing to stop an Insurance Company from giving it to you.

      2. COBRA is a 2% surcharge over the rate the employer pays to the insurance company, Cal COBRA 10%, so you do the math. I figure it would be 8% more.

      3. You should get the forms from your Employer or Kaiser. You can also try the Kaiser Website.

      4 18 months. Then you can get a guaranteed issue individual plan. Click here for rates & benefits.

      5. Same coverage as all the other employees have, 10% higher premium.

  2. Do I automatically get Cal COBRA rates, benefits, enrollment forms, etc. sent to me when I terminate from the Insurance Company, my employer, do I have to call or what?

  3. I’m moving from Ca. to another state. I got my COBRA information from my current employer. My options include Anthem EPO, Anthem HDHP High, Anthem HDHP Low, Anthem PPO.

    I need information about the options and which are available in another state until I get another job.

  4. There is no such place as Cal COBRA. It’s a law that guarantees you can keep your employer’s group plan when you terminate employment. Talk to your Employer’s HR department or Insurance Agent. If that fails call the Insurance Companies phone # on your ID Card.

  5. My paperwork from my former employer says my coverage ended on March 10. How am I supposed to get coverage before the 1st of the next month? Is there a law somewhere that says coverage goes through the end of the month?

  6. I know it will be expensive whichever [ACA Obamacare] plan I choose, but I have drug coverage with my Cobra plan for $535/month.

    I’m hoping to find something more reasonable if possible.

    Any suggestions?

      • Basically, I have great coverage from Wells Fargo, but was hoping to pay less than $535/month for coverage.

        There doesn’t appear to be an option that will provide the level of coverage I have for much less than I’d be paying via COBRA.

        I can’t see researching doctors, meds, etc. to get comparable coverage for perhaps a few dollars less.

        Am I missing something, Steve?

        I guess I thought bidding this would give me some more affordable options, but I’m not seeing anything less than $500 (right?).

        • Right, in your case at age 59 and Wells Fargo must be funding your COBRA program, you’ve got a great plan. President Obama’s promise of saving $2,500/family didn’t happen.

          Check with us in 18 or 36 months depending on if Wells Fargo is subject to Cal COBRA or Federal COBRA. Here’s Wells Fargo Websites on their Health Coverage.

          Do the Marketplace health plans cost less than my COBRA coverage?

          Since the COBRA premium is the full cost [Then you are getting a great deal – Maybe Wells Fargo doesn’t age rate and the rate for a 20 year old is the same as an older person?] of your former employer group health plan plus a 2% administrative fee, it is possible that one or more of the Marketplace plans will be less expensive than COBRA coverage.

          Our Quote Engine includes Covered CA. Rates are the same in and out of Covered CA. This year though, Silver is less outside of Covered CA. If you are low income and get subsidies, that might be a wash.

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