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You can collect COBRA benefits for up to 18 months. This may be extended to 36 months under certain circumstances. If your employer has 20 or more employees, it must follow COBRA rules. COBRA coverage follows a qualifying event.
Under COBRA, the administrator is allowed to charge the terminated worker for the full cost to the employer of the monthly coverage plus a 2% administration fee.
Hear this out loud PauseCal-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.
Hear this out loud PauseFor CalCOBRA, you will pay: At least 110% of the premium the employer pays if it is based on the age of covered employees. A maximum of 213% of the group rate the employer pays if it is not based on age (this is the total premium the employer pays divided by the number of employees).
Hear this out loud PauseCal-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.
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It is also worth noting that group health benefits through an employer, including COBRA coverage, are usually more expensive than individual health plans purchased on the individual Covered California health insurance exchange.
Hear this out loud PauseThe choice of whether to enroll in coverage through COBRA or through Covered California is up to you, but here are some factors to consider: The network of doctors and hospitals available in each plan. The total monthly premium for you and your dependents. The copays and deductibles in the various plans.
There are two ways to do so: Submit a completed COBRA Benefits Termination Form. Dont remit the premium payment for the month you no longer want coverage.

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