Alternatives To COBRA

Are there alternatives to COBRA continuation coverage?

Yes.  You will need to do some research and some comparison shopping.  Make sure that you do not have a lapse in coverage.  You may want to enroll in COBRA while you research other options.  Here are some tips and suggestions:

Do you have coverage available through a spouse or other employer?

You may have coverage available through your spouse's employment or a second job.  Typically if you notify them of your loss of coverage within 30 days, you can enroll in their plan at that time.  Check with the employer's Human Resources or Benefits department.   If they require proof of loss of coverage contact our office.  

Do you have children under age 19?

If you live in Pennsylvania, CHIP covers all uninsured kids and teens up to age 19 that are not eligible for Medical Assistance. No family makes too much money for CHIP because there is no income limit.  When your child loses health benefits because of your job loss, the six month waiting period is waived. See more information on coverage and how to enroll

Do you or someone in your family qualify for Medicaid?

In general, you must meet specific medical eligibility requirements, and/or age and be financially needy.  You can find out if you qualify for and apply for Pennsylvania Health and Human services benefits on their website site, COMPASS.  You can apply at any time during the day or night from home, a library or any location with Internet access.  Or you visit your local County Assistance Office.  

Are there non-group plans available?

If you are young or in excellent health, you may want to contact an insurance broker or call insurance companies directly to find out what plans are available.  If you meet the underwriting requirements, rates will typically be much lower than COBRA for younger subscribers.  

What if I am not in excellent health?

If you are enrolled in our Keystone HMO, or enroll in our Keystone COBRA for at least one month, you are eligible for a "conversion policy" with IBC with no health question questionnaire or underwriting.  These plans provide medical or medical and prescription based on your most recent enrollment.  Monthly rates range from $450 per person to $1,455 for a family.  Call IBC at 1-800-ASK-BLUE (1-800-275-2583).  Ask for information

Does everyone in my family need to elect the same coverage?

In general, no.  You may find that a combination of some family members electing COBRA and others getting individual or conversion plans may provide the best coverage for your needs.  When requesting quotes for coverage, get rates based on each individual as well as for your whole family.  

For COBRA premiums and other information, see our COBRA page.