Continuation Coverage

Federal COBRA

Federal COBRA is a U.S. law that applies to employers and group health plans that cover 20 or more employees. It lets you keep your group health insurance when your job ends or your hours are cut. You have to pay the premium but you can keep your insurance for at least 18 months. To learn more about COBRA, contact your employer or visit this page of the U.S. Department of Labor website.

Cal-COBRA

Cal-COBRA is a California law that is like Federal COBRA. Cal-COBRA applies to employers and group health plans that cover from 2 to 19 employees. It lets you keep your insurance for up to a total of 36 months.

Cal-COBRA is also for people who use up their Federal COBRA. When your 18 months of Federal COBRA ends, you can buy 18 more months of health insurance under Cal-COBRA.

To qualify, you must not be eligible for other group medical coverage or entitled to Medicare. If you think you may be eligible, please contact MHN via your current access number. If you don’t have this information, please contact your former employer to obtain it, or complete and mail in the Cal-COBRA Enrollment Request form to the following address:

MHN
Attn: Membership Accounting – Cal-COBRA
P.O. Box 550
Rancho Cordova, CA