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When an employee's coverage terminates under a group health policy, the employee must be offered continuation coverage for how long?

1) 365 days
2) 180 days
3) 18 months
4) 60 days

Answer :

Final answer:

When coverage under a group health policy ends, an employee has the right to continuation coverage for up to 18 months. COBRA regulations typically govern this extension of benefits, allowing transition time to other insurance options like those available in the ACA Marketplace.

Explanation:

When an employee's coverage terminates under a group health policy, they are typically entitled to continuation coverage, which is a protective feature allowing former employees to maintain their group healthcare coverage. Under the regulations, often related to the Consolidated Omnibus Budget Reconciliation Act (COBRA), this coverage can extend up to 18 months following the termination of employment. During this period, individuals may be required to pay the entire premium for coverage up to 102% of the cost to the plan.

This continuation coverage serves as a bridge for employees in the transition period between jobs or waiting for new benefits to begin. For those seeking alternative insurance options, they may also consider the ACA Marketplace, which offers various plans with the minimum policy requirements necessary to cover unexpected illnesses. Additionally, addressing issues of work-based mobility and insurance portability are initiatives such as the employer mandate, which requires larger employers to offer insurance to employees, and provisions within healthcare laws that have expanded Medicaid eligibility and prohibited coverage denial based on preexisting conditions.

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