What Happens When COBRA and Medicare Overlap?

Separate employment coverage from COBRA

The enrollment rules tied to current employment do not treat COBRA the same way. Do not wait for COBRA to expire before checking your Part B enrollment deadline.

The order can matter

When Medicare begins relative to COBRA can affect the COBRA coverage available to you. Ask the benefits administrator how Medicare coordination works and what happens to other covered family members.

Bring the notices

• Date employment ended
• Date active employer coverage ended
• COBRA election notice and coverage details
• Medicare enrollment status
• Coverage needs of a spouse or dependents