RE: question about contracting w/o agencies

["Kevin Christy" <kevinchristy -at- socal -dot- rr -dot- com>]

Christine said:

>>I can attest that COBRA *is* available to people who leave voluntarily.

AFAIK, the admin fee for COBRA is supposed to be only a couple of percentage
points of the monthly premium. I don't think I've ever paid more than
$300/month
(total) for COBRA.

Anyone know if the rules vary by state?<<

COBRA is a federal law, and is the baseline. Some state laws may offer more
favorable COBRA provisions (Cal-COBRA is a notable example, which extended
COBRA availability down to employer groups under 25), but none can be less
favorable.

Again, COBRA may be convenient to elect, but it is not a permanent solution,
and may not even be the most attractive short-term alternative. What's nice
about COBRA is that you can also carry over your dental coverage, which can
be a boon if you're in the midst of work. Also, group dental plans, unlike
personal medical plans, are universally better than personal dental plans.

Kevin


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