What happens when you're on Cobra and your former employer switches insurance carriers?

Thinking of quitting my job, so I'd have to start paying for Cobra, but I already know there's a very good chance my company will switch from Blue Cross to some random healthcare insurance company on October 1. I am pretty close to our HR Manager and she said that this one insurance carrier she has in mind would require all employees to fill out health questionnaires before they accept our firm as a client, so they can assess the level of risk they'd be taking by insuring us, so they know how high they should set our premiums . If I've already quit my job and I am out of state or out of the country, how can I continue to get Cobra? I can't ask our HR Manager this question because she would then guess I'm thinking of leaving and I don't intend on giving more than 2 weeks' notice. Thanks.

What happens when you're on Cobra and your former employer switches insurance carriers?
1st) When you take COBRA you are enrolling in the exact same plan that you have while you are with the company. The difference being is that you now have to pay 100% of the premium - where while you are employed you only pay what your employer does not.





2) When an employer switches carriers and you are on COBRA your plan switches to the new employer health plan as well. Again, you are responsible for 100% of the premium.





3) When an employer switched carriers - there are safeguards put in place to ensure you have the opportunity to continue your benefits with the new carrier.





If/when you quit, be sure to keep the employer advised of your new resident addresses. Also, your employer may use a third party to administrator your COBRA benefits. If this is the case, be sure to keep the third party administrator informed of any address changes.
Reply:I dont think it matters. I think Cobra benefits are completely different. Not certain though...
Reply:If your company has 20 or more employees then they must by federal law provide for COBRA if it is group health coverage.


see http://www.dol.gov/ebsa/faqs/faq_complia...





If the company decides to cancel their group coverage then that is another conversation.





The cost will be more than you pay now because you will be asked to pay for the employer portions as well as your current cost plus an administration fee.





The carrier (company) is not the important part but the coverage level.





If you are healthy it would be a good idea to check out individual coverage cost. An individual policy is usually less expensive than COBRA. (the coverages will be different as well)