If a former employee becomes Medicare-eligible while receiving COBRA, COBRA coverage may be terminated.

• A. Yes
• B. No
• C. Only if the plan terminates for all
• D. Only if the employee is disabled

Answer: (A)

COBRA continuation coverage is designed as a temporary bridge after coverage ends, but it ends once the individual becomes eligible for Medicare. When someone gains Medicare eligibility, their COBRA coverage ends because Medicare provides the necessary access to health benefits and duplicate coverage isn’t required. This termination is specific to the person who becomes Medicare-eligible; other people on the same COBRA election may still stay on COBRA if they haven’t reached their own termination conditions. The key point is that COBRA ends at the moment Medicare eligibility begins, not later.