First of all End Stage Renal Disease (ESRD) creates a couple of key elements related to COBRA. #1 total disability, which adds an 11 month extension to COBRA available coverage and #2 something called a 30 month coordination period, which is essentially the coordination of benefits between a group plan or COBRA and Medicare.
Once ESRD is diagnos...ed, a patient is provided 30 months to either have the group plan pay first or Medicare. Since COBRA is continuation of the group plan and there is a disability involved, the participant will be allowed 29 months (18+11) to be on the plan, where it pays first and Medicare pays second.
Once COBRA runs out or the group plan is no longer available, the remaining months during the coordination period...Medicare pays first.
Once COBRA runs out or the group plan is no longer available, the remaining months during the coordination period...Medicare pays first.
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