COBRA contains provisions giving certain former employees, retirees, spouses former spouses, and dependent children the right to temporary continuation of health coverage at group rates.  This coverage, however, is only available when coverage is lost due to certain specific events.  Group health coverage for COBRA participants is usually more expensive than health coverage for active employees, since usually the employer pays a part of the premium for active employees while COBRA participants generally pay the entire premium themselves.  It is ordinarily less expensive, though, than individual health coverage.

Below are some of the forms that the carriers require for converting members to COBRA.

An Employer's Guide to Group Health Continuation Coverage Under COBRA - The Consolidated Omnibus Budget Reconciliation Act of 1986

  COBRA Continuation of Coverage

COBRA Forms

• Cobra Full Notice
• Cobra Alternate Notice
• Cobra Abbreviated Notice

Aetna

• Aetna COBRA Alert
• Aetna NJ Middle Market Impact on COBRA
• Aetna NJ Middle Market Customer Letter
  

CIGNA

• CIGNA NY 2 - 19 Election Notice
• CIGNA NJ 2 - 19 Election Notice
• CIGNA ARRA State Continuation Notice

Emblem

•  Emblem COBRA Letter

• Broker Briefnotes Update 4/09
• NY Continuation Election Form 
• NJ Continuation Employee Letter Not In Effect
• NJ Continuation Employee Letter In Effect  
• NJ Continuation Employee Letter After 4/19/09 
• NJ Group Administrator Letter
• COBRA Application Forms
• COBRA Extended Election Notice
• General Notice Abbreviated Version
• General Notice Full Version 

Oxford NY & NJ

•  Oxford NY & NJ COBRA Update
• OxCont UpdateBrokereBlast FIN.pdf
• Oxford NJ COBRA eBlast Update 4/09

• NJ Employer & Employee FAQ
• NJ Involuntary Terminated Member Intake Form
• NJ Employer Letter
• NJ Employer Roles & Responsibilities

Employees

• FAQ for Former Employees
• NJ Employee Letter
• Dependent Information Form
• Participant Notification Form
• NJ Continuation Election Form A
• Switching Plan Options Form B
• ARRA Employer Information & Verification Form C  
• Requesting Treatment AEI Form D