Domestic abuse victims. Health plans in Alabama must provide 18 months of continuation coverage to certain individuals who are victims of domestic abuse or have custody of a victim of domestic abuse and who lose coverage because of divorce, separation, or lost custody of the subject of abuse where the original coverage was issued in the name of the abuser or the abuser's coverage was terminated for any reason (AL Code Sec. 27-55-3). This provision applies to individuals who do not qualify for federal Consolidated Omnibus Budget Reconciliation Act (COBRA) coverage.
Abuse victims who elect continuation coverage may be required to pay the full premium for continuation coverage, to reside or work within the insurer's service area if the requirements are applied to all insureds of the insurer or health carrier. The insurer may terminate coverage after the continuation coverage required by this subdivision has been in force for 18 months.
Unlike most states, Alabama law does not have a general continuation coverage requirement that applies to employees who lose coverage under insured group health plans. Federal COBRA does require such continuation.