What term describes temporary continuation of health coverage after employment ends?

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Temporary continuation of health coverage after employment ends is described by COBRA. This federal provision lets former employees and their dependents keep their employer’s group health insurance for a limited period after a qualifying event, such as job termination or a reduction in hours. The individual pays the full premium (often with a small admin fee) to maintain the same plan, preventing a gap in coverage. Typical duration is up to 18 months, with possible extensions to 29 or 36 months in certain circumstances like disability or other qualifying events. This concept is different from provider charges (what a provider bills for services), the allowed amount (the insurer’s maximum eligible charge for a service under the plan), and the reimbursement amount (what the insurer pays back to the patient).