If you have lost your job or become ineligible for coverage through your employer, you may continue coverage through one of our new Blue Affordable Care Act (ACA) Metal Plans. With one of our new plans, you can have access to the largest networks of doctors, caring customer service and valuable wellness programs—all at an affordable price. Visit BlueCrossNEPAStore.com to find the plan that’s right for you and your family.
You may qualify for federal financial assistance in the form of a premium tax credit or cost-share subsidy. To check to see if you qualify for a federal premium tax credit or cost-share subsidy, go to the Federally Facilitated Marketplace (FFM). You can connect to the FFM on BlueCrossNEPAStore.com, just click Apply for Federal Subsidy, or you can go to the government website directly at healthcare.gov
If you have a spouse who is eligible for coverage through his/her job, you may be entitled to coverage under that plan. Ask your spouse to check with his/her employer.
Another option for continuing coverage is through COBRA (the Consolidated Omnibus Budget Reconciliation Act).
If you were employed by a company with 20 or more employees, federal COBRA regulations allow you to continue your health insurance coverage, at your expense, for up to 18 months. Upon notice from your previous employer, continuation coverage will be made available to employees and their dependents (qualified beneficiaries). Under the federal law, you have 60 days to choose to continue coverage under your previous employer and then another 45 days to pay the retroactive premium. Please contact your previous employer for more information.
Similar to COBRA, Mini-COBRA applies to employers that have 2 to 19 employees. With Mini-COBRA, you are entitled to continue your health insurance coverage, at your expense when you leave employment or when other qualifying events occur. You will have 30 days to accept the coverage from the date you are notified by your previous employer to elect continuation coverage. Coverage for you and your eligible family members will be effective the date of the qualifying event. And in certain cases, as part of the federal American Recovery and Reinvestment Act of 2009 (ARRA), “qualified” employees will also be eligible to receive a subsidy health care credit totaling 65% of the monthly premium for coverage. Please contact your previous employer for more information.