COBRA coverage is exactly the same as the coverage active employees receive under the group health plan. It’s not a separate or limited version of the plan.
When someone elects COBRA, they’re continuing the same medical, dental, vision, or other group health coverage they had before the qualifying event. This means:
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Same network of doctors and hospitals
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Same deductibles, copays, and coinsurance
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Same prescription benefits
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Same rules for claims and prior authorizations
🔁 What If the Employer Changes Plans?
If the employer changes its group health plan or coverage levels while someone is on COBRA, the COBRA participant is entitled to the same new plan options offered to active employees.
🧠 Key Point:
COBRA is a continuation of the same group coverage—it doesn’t downgrade or restrict benefits. The only difference is who pays the premium (typically the individual pays the full cost plus 2%).