Insurance Covered by HIPP

“What is insurance provided through COBRA?
Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that allows former employees to continue health insurance coverage for up to 18 months after leaving a job. If an applicant has access to employer-sponsored health insurance through COBRA, the applicant meets the insurance requirement for HIPP. If all other qualifications for membership are met, HIPP will send monthly payments to reimburse the cost of the COBRA plan.

“What is employer-sponsored insurance (ESI)?”
Employer-sponsored insurance (ESI) is health insurance that employers offer to their employees, and is typically offered as part of an employee benefits package. ESI is offered to current employees, but in some cases is offered to employees who have resigned or been terminated. This is known as having ESI through COBRA.

“What is self-funded insurance?”
Self-funded insurance is private insurance that is not provided by an employer. WV HIPP considers applicants that have access to self-funded policies.