Consumer Frequently Asked Questions
COBRA Coverage for Eligible Entertainment Industry Employees
Do I need to reapply each month in order to receive the subsidy?
Answer: No. Once you are approved for the subsidy you are guaranteed 12 months of assistance while on COBRA. Should you terminate your COBRA coverage or become ineligible for it, your subsidy will be cancelled.
How do I receive the subsidy? Does it come directly to me?
Answer: No. The subsidy will go to the union that is providing your COBRA coverage. Your union will then disseminate the funds accordingly.
If I was over the income level this month but will be unemployed next month, can I apply for the following month?
Answer: Yes. We are only concerned with the previous full months income. For example, if you apply in August we need proof of income for the month of July. Thus, if your income exceeds the threshold in June, wait until August to apply and submit your income for July.
If my spouse is not covered under my policy, do I have to include her/him on my income estimations?
Answer: Yes. Your spouse contributes to your overall income, so it is necessary that you provide this information. Without this information, we cannot process your application.
Can I start paying half of my premium once I am accepted into the program?
Answer: No. It is absolutely essential that you continue to pay your entire premium. If you fail to do so, you run the risk of losing your health insurance coverage.
Do I need to re-establish my income each month in order to be eligible for the subsidy?
Answer: No. When you enter the program, you have been tentatively approved for 12 months of assistance. There is no need to submit additional income documentation.
How long does it take for my application to be reviewed and either accepted or rejected?
Answer: Your application is reviewed initially for completion. If you do not submit all required documentation, then the process is delayed. If, however, you submit all of your documentation in a timely manner, we can review your case and make a decision within the week you submit.
Is my W2 a better indicator of my average income?
Answer: No. We are not interested in your annual income. We are interested in your gross monthly income. For your gross monthly income please submit copies of paychecks, paycheck stubs, letters from previous employers, benefits checks, etc.
Should I count my residuals as part of my income?
Answer: Yes. Please include all residuals, awards, and benefits earned for the most recent month.
What other health insurance options are available?
Answer: You and your family have many new health insurance options available through NY State of Health: The Official Health Plan Marketplace. You can quickly compare health plan options and apply for assistance that could lower the cost of health coverage. Individuals and families may also qualify for free or low-cost coverage from Medicaid or Child Health Plus through the Marketplace. Anyone can apply.