How are COBRA and COBRA alternatives affected by Medicare eligibility?

COBRA eligibility is affected by Medicare are stated in the eligibility section of the law and this Web site. But once issued, COBRA coverage may not be discontinued after Medicare starts. Since COBRA coverage is integrated and coordinated with Medicare, so benefits are not payable from both plans for the same medical bills.

Most COBRA alternatives are not available after Medicare becomes available. Supplemental insurance policies, however may be kept in force to supplement Medicare coverage until age 70 or the stated maximum age in the policy. The advantage is that benefits of supplemental insurance are payable in addition to Medicare.

revised 3/6/09

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COBRA continuation coverage may provide temporary protection when changing jobs, going through a divorce or negotiating other life transitions. Choosing the right health insurance is crucial to protect your health and financial security.