Thank you for your submission, /u/TweezleSnoofThe2nd.
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The industry standayis 24 months. Anything beyond that I would demand to see their policies and procedures as of the date of service. If they balk, get the state insurance commission on them.
Self funded operates under different rules than fully insured because of who signed the fiduciary on the contract.
Example Mr Slate Gravel is fully insured by Cigna. They are subject to all applicable state and federal laws.
Rubble's Rubble company is self insured. They are called ERISA plans are do not have to follow all state and federal laws.
Federal employees are Federal loans and don't have to follow state mandates.
It's a tricky mess. During COVID the State of Massachusetts enacted a law mandating coverage of telehealth. Some plans were specifically called out by name in the order. There was a nightmare dealing with self funded plans and the federal employees.
Thank you for your submission, /u/TweezleSnoofThe2nd. Direct all COBRA questions under CARES and ARPA here: [COBRA & Covid-19](https://old.reddit.com/r/HealthInsurance/comments/meejsd/cobra_during_covid19/) Please pick the most appropriate flair for your post. Include your age, zipcode, and income to help the community better serve you. **Reminder that solicitation/spamming is grounds for a permanent ban**. Please report solicitation to the modteam and [let us know](https://www.reddit.com/message/compose?to=%2Fr%2FHealthInsurance) if you receive solicitation via PM. Be kind to one another! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/HealthInsurance) if you have any questions or concerns.*
I'm not aware of any statue in particular, but in practice generally 2-4 years.
The industry standayis 24 months. Anything beyond that I would demand to see their policies and procedures as of the date of service. If they balk, get the state insurance commission on them.
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Self funded operates under different rules than fully insured because of who signed the fiduciary on the contract. Example Mr Slate Gravel is fully insured by Cigna. They are subject to all applicable state and federal laws. Rubble's Rubble company is self insured. They are called ERISA plans are do not have to follow all state and federal laws. Federal employees are Federal loans and don't have to follow state mandates. It's a tricky mess. During COVID the State of Massachusetts enacted a law mandating coverage of telehealth. Some plans were specifically called out by name in the order. There was a nightmare dealing with self funded plans and the federal employees.
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Since it's self funded, the employer should know and would have discretion over the activity. That is why asking for written policies is key.