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Leaving An Employer's Group Health Insurance

Extensions

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An extension is a provision found in some health insurance policies. It's free which may be one reason it isn't talked about a lot.

Basically, if you have been filing claims under a health insurance policy, and the coverage ends, an extension continues to provide coverage for the condition(s) for which you were making a claim for up to 12 months from the end of coverage. Extensions generally apply whether coverage ends when you leave the group, or COBRA ends if you receive a COBRA extension.

It's important to note that:

  • An extension doesn't cover any health condition other than the one for which you were making claims when your coverage stopped.
  • No premiums are charged during the extension period.
  • Any conversion right you may have (see the next section immediately below), dates from later of the termination of your job or the end of COBRA-- not from the date the extension ends.

While extensions were very common in older policies, fewer policies contain extensions now. Many that do, only provide an extension if the coverage terminates due to the cancellation of the entire group. Read your policy carefully.

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