Oklahoma COBRA (Health Insurance Continuation) laws & HR compliance analysis

Oklahoma COBRA (Health Insurance Continuation): What you need to know

Oklahoma requires limited continuation of healthcare plan coverage for employees whose employer is not covered by the federal Consolidated Omnibus Budget Reconciliation Act (COBRA) (OK Stat. Tit. 36 Sec. 4509).
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Continuation requirement. An employee whose healthcare insurance is terminated for any reason other than termination of the group plan or termination of the employee for gross misconduct must be offered continuation coverage under the group policy for at least 63 days after such termination. The requirement applies to group policy providing hospital, medical or surgical, or Christian Science care and treatment expense benefits; hospital or medical service or indemnity coverage; or a prepaid health plan or health maintenance organization subscriber contract.
Notice requirement. An insurer must notify a terminated employee of the availability of continuation coverage in writing within 30 days of receiving notice from the plan sponsor of the employee's termination of coverage. The terminated employee has until the 31st day after the date he or she was given notification of the availability of continuation of coverage to elect the coverage.
Premiums. Premiums may be charged for the continuation of coverage period equal to the premiums that would have been charged for the coverage provided had termination of employment not occurred.
Termination of coverage. Continuation of coverage may be terminated:
• If the employee fails to make timely premium payments;
• On the date the group coverage terminates in its entirety if the group coverage terminates in its entirety during the continuation of the coverage period; or
• If the employee and the ...

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