Cal-COBRA provides continued health coverage for:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Cal-COBRA is California's state continuation law that mirrors federal COBRA for employees of small employers whose group health plans are not subject to federal COBRA. Because federal COBRA generally does not reach very small employers, Cal-COBRA fills the gap, allowing qualified beneficiaries to continue their small-group coverage after a qualifying event such as termination of employment. It is a distinctly California rule tested on the A&H exam, and it coexists with federal COBRA rather than replacing it. Like federal COBRA, Cal-COBRA charges the qualified beneficiary the full premium, typically up to 110 percent of the applicable rate, and requires the small employer to honor the continuation rights of former employees and dependents.
Why the other options are wrong
- B) Cal-COBRA concerns group health plan continuation; it has nothing to do with Medicare beneficiaries.
- C) Cal-COBRA is a continuation right tied to employment and loss of group coverage; it does not apply to people who were never employed.
- D) Cal-COBRA targets small-employer plans not subject to federal COBRA; large self-insured plans are governed by federal COBRA rules instead.
Memory hook
Cal-COBRA = California's backup blanket for small shops. Too small for COBRA? The Golden State still keeps coverage alive.