COBRA
Continuing Your Health Coverage with COBRA
What is COBRA?
Life brings changes, and sometimes those changes affect your employment and your health benefits. Whether you’re navigating a job transition, a reduction in hours, or another life event, losing health coverage can feel unsettling. We believe that during these moments, you deserve clarity and support, not confusion.
COBRA is designed to be a bridge, allowing you and your family to continue your health benefits, so you can focus on what’s next with one less thing to worry about. At Navia, we’re here to guide you through the process with care and make it as simple as possible.
COBRA: Your Safety Net
Think of COBRA as a safety net for your health coverage. If you experience a “qualifying event” like leaving a job, you, your spouse, and your dependent children have the right to continue the same group health plan for a limited time. It’s a way to maintain your peace of mind and access to care without interruption.
Who is Eligible for COBRA?
If you were covered under your employer’s group health plan, you and your covered family members are typically eligible. This includes employees, spouses, and dependent children who lose coverage due to a qualifying event.
What are Qualifying Events?
These are life events that cause you to lose your health coverage. Common events include:
- Voluntary or involuntary termination of employment (for reasons other than gross misconduct).
- Reduction in your work hours.
- Divorce or legal separation from the covered employee.
- Death of the covered employee.
- A dependent child losing their dependent status under the plan.
