- 3,384
But it can get a little sticky......
Cal-COBRA is available for 36 months universally to small groups under 20 employees fully insured (like they'd be self-funded LOL).
ALSO, Cal-COBRA applies as an extension of continuation for those qualifying beneficiaries losing federal COBRA at 18 or 29 months. So, it is brought back into the equation in California even groups as large as 1,000 and often they get an extra 7 or 18 months depending.
Even more sticky, the rates can be really "interesting" for some people....
Straight Cal-COBRA - 110%
Federal COBRA - 102% Jumps to 110% for the extension
Disabled Federal Extension (19-29th month) - 150% then drops to 110% for months 30-36 under Cal-COBRA.
Confused yet? LOL
Before anyone asks, qualifying groups larger than 20 employees would have to meet the following criteria:
1 - domestically insured health plan (does not apply to out of state plans)
2 - fully insured health plan (self-funded are exempt)
The following (and there are probably more) PPO plans are also exempt:
Aetna
Cigna
UHC (now includes Pacificare PPO)
Humana
Those are exempt because they are non-domiciled plans and are technically considered a National PPO even though they are insuring a group in California.
Conversely, these carrier's HMO plan are NOT exempt because they must be regional and not national.
