The federal Consolidated Omnibus Budget Reconciliation Act (COBRA) requires issuers of health insurance coverage to continue to offer to individuals who leave an employer group the same terms of coverage that it issues to the group. In addition, Maryland law further requires insurers, nonprofit health service plans. and health maintenance organizations (HMO's) to offer continuation of coverage to a surviving spouse and dependent children (qualified secondary beneficiary) of an employee who dies. The employee must have been a resident of Maryland who had health insurance coverage under a group contract with the same employer for at least three (3) months before death. Additionally, coverage must be offered to a child of the employee who is born to the surviving spouse after the employee's death.
The qualified secondary beneficiary or authorized representative must submit a signed election for continuation coverage within the 45-day period following the date of the employee's death. Continuation coverage is always made available without evidence of insurability. The person continuing coverage must pay the full amount of the premium, including the portion previously paid by the employer to the employer. Coverage can be terminated for not making premium payments on time, if an individual becomes covered under another plan or Medicare. Please contact the Maryland Insurance Administration for further information and specific details.
Bethesda, Rockville, Gaithersburg,
Washington D.C., Potomac,
Kensington, Chevy Chase,
Germantown, and all of
Montgomery County, Maryland.
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