Can you have COBRA dental and Medicare?

Asked by: Kacie Windler  |  Last update: February 11, 2022
Score: 4.5/5 (6 votes)

Your COBRA coverage may include extra benefits that are not covered by Medicare, like coverage for routine dental care or eyeglasses. ... You can enroll in COBRA and keep your Medicare coverage. If you choose to do this, you will be responsible for paying both your Medicare Part B and COBRA monthly premiums.

Can you be on Medicare and COBRA at the same time?

If you become eligible and enroll in Medicare before COBRA, the good news is that you can have both. Taking COBRA is optional, and depending on your situation, you may or may not want to. If you do decide to take COBRA, do not drop your Medicare plan.

Can you get COBRA for dental only?

Yes. Along with medical and vision benefits, dental coverage is included under COBRA. ... In order to keep using benefits from a standalone dental plan under COBRA, you must complete a separate, dental-specific COBRA enrollment process. Learn more at or

Are you eligible for COBRA If you have Medicare?

If you have Medicare Part A or Part B when you become eligible for COBRA, you must be allowed to enroll in COBRA. Medicare is your primary insurance, and COBRA is secondary. You should keep Medicare because it is responsible for paying the majority of your health care costs.

Can you have COBRA and another insurance at the same time?

You may not have COBRA continuation and another insurance at the same time. ... You may stay on COBRA as long as you do not obtain other insurance or become covered under your new employer's health insurance. The federal government's COBRA law allows workers to continue on the same plan they had when they working.

Can I have both #Medicare and #COBRA?

42 related questions found

Does COBRA cover dental insurance?

With COBRA, you can continue the same coverage you had when you were employed. That includes medical, dental and vision plans. You cannot choose new coverage or change your plan to a different one.

Does Cal COBRA apply to dental?

Cal-COBRA applies to medical care plans, but not dental or vision care plans. Cal-COBRA coverage applies only to coverage under an insured plan or HMO, and not under a self-insured plan. You will receive additional information from the provider prior to your scheduled end-date for federal COBRA coverage.

Is COBRA always secondary to Medicare?

COBRA is always secondary to Medicare. This means that it only pays after Medicare pays. If you do not enroll in Medicare when you become eligible for it, it will be as if you have no insurance.

Can I stay on COBRA when I turn 65?

Medicare Part A & B is insurance that is available to those 65 or older and those younger than 65 on Social Security Disability. ... You may be on COBRA after your employment ends, but once you are eligible for Medicare, you should enroll in Medicare A & B.

Is COBRA considered creditable coverage for Medicare Part D?

Typically, COBRA is not creditable drug coverage for Part D. However, if your plan is an exception, you'll have a Special Enrollment Period to join a Part D plan without a penalty. ... If you have COBRA when coverage ends, you won't qualify for a Special Enrollment Period through Medicare.

Does COBRA premium assistance cover dental and vision?

Q: What benefits are eligible for the subsidy? A: The full COBRA premium (including 2% COBRA administration fee) for enrolled medical, dental & vision coverage during the subsidy period.

Does COBRA include prescription coverage?

Yes, COBRA Covers Pharmacy Prescriptions, If You Had That Coverage Previously. ... The COBRA law allows you and your dependents to continue on the exact same coverage that you had with the employer's group health plan. Nothing changes in regards to your medication.

How long can I keep COBRA dental?

COBRA dental coverage lasts 18 months from the date that you choose your coverage.

Does Medicare coverage start the month you turn 65?

The date your coverage starts depends on which month you sign up during your Initial Enrollment Period. ... If you qualify for Premium-free Part A: Your Part A coverage starts the month you turn 65. (If your birthday is on the first of the month, coverage starts the month before you turn 65.)

How long can you stay on COBRA health insurance?

Q11: How long does COBRA coverage last? COBRA requires that continuation coverage extend from the date of the qualifying event for a limited period of 18 or 36 months.

What plans are COBRA eligible?

COBRA generally applies to all group health plans maintained by private-sector employers (with at least 20 employees) or by state and local governments. The law does not apply, however, to plans sponsored by the Federal Government or by churches and certain church-related organizations.

Is COBRA extended due to Covid?

Soon after the COVID-19 pandemic shut down the nation, the federal government extended the deadlines for electing COBRA and paying COBRA premiums for continuation of health insurance coverage. ... The first COBRA premium is due 45 days after the initial election is made.

Is COBRA better than Covered California?

Cobra is really expensive and you might not be able to change plans. Covered California can be priced much lower and you can change plans. If you qualify for a Covered Ca tax credit, it's hard to justify paying full premium for Cobra. Again, our services as Certified Covered California agents is free to you.

What is the difference between COBRA and Cal-COBRA?

The Differences

Cal-COBRA applies to employers with 2-19 employees, whereas federal COBRA applies to employers with more than 20 employees. Cal-COBRA offers coverage for up to 36 months, while federal COBRA offers coverage for 18 months for the former employee and up to 36 months for any dependents.

What benefits does COBRA cover?

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, ...

Is COBRA a good insurance?

COBRA provides a good option for keeping your employer-sponsored health plan for a while after you leave your job, but the cost can be high. Make an informed choice by looking at all your options during the 60-day enrollment period, and don't focus on the premium alone.

Does COBRA include vision?

Yes, COBRA Has Dental And Vision, If You Had It Previously

The COBRA health insurance law allows you and your beneficiaries to continue on the exact same health benefits that you had with the group health plan. ... So, they will receive the same dental care and vision coverage as before.

Is COBRA available to retirees?

Retirees can use COBRA Insurance For 18 Months

Retirement is a qualifying event. When a qualified beneficiary retires from their job, the retired worker is entitled for up to 18 months health insurance continuation, which is the maximum amount of time an employee can keep COBRA continuation.

When can COBRA be extended to 36 months?

Up to 36 months of coverage, when there is a second qualifying event during continuation coverage (the death of the covered employee; the divorce or separation of the employee and spouse; the covered employee becoming entitled to Medicare or loss of dependent-child status under the plan), where the 36 months is ...