Since COBRA insurance is a continuation of the health insurance plan you had while you were working, the rules to follow a claim are going to be the same as they were when you were employed. Normally this includes a written document that must be submitted to the insurance company along with receipts for the medical expense. Generally insurance plans include this information in the Summary Plan Description.

Under most health insurance plans, whether they are a continuation with COBRA insurance or not, you will have a certain about of time to submit your claim and dispute your claim if needed. Most plans give you 90 days to submit your claim and in turn will let you know the status of your claim within 90 days. If it is accepted, you can expect to receive reimbursement, if it is denied, you can dispute it. For most plans you have 60 days to dispute the claim.

If you are using COBRA insurance and unsure about how to file a claim, you should contact your health insurance company for more information. They can provide the most accurate information on how your specific COBRA insurance plan works.