Mini Cobra and Conversion Policies

[Guest andyj]

If an employee is covered under Florida Mini Cobra and the employer changes plans or goes out of business, does the employee lose mini cobra coverage like he would cobra?

If so how does a conversion policy work and how much more is it?

These questions relate to United Healthcare policies.

[mroberts]

I'm not an expert at the Florida mini-COBRA law, but here's how it works for regular COBRA: 1) If the employer changes health plans, then the former employee on COBRA changes health plans with you; 2) If the employer goes out of business, then the former employee on COBRA then loses coverage simply because there is no health plan to continue any longer.

As far as conversion goes, that's going to be policy specific. If may indicate what needs to be done if conversion is allowed somewhere in the policy or summary plan description. From what I understand, Florida is a state that allows medical conversions.