1. When group health coverage ends, a covered employee may have the right to:

Convert to an individual policy without evidence of insurability within a set time

Conversion rights let a departing employee obtain individual coverage without proving insurability within the allowed period.

2. Pennsylvania mini-COBRA extends continuation rights to employees of small employers with:

Fewer than 20 employees, for up to 9 months

PA mini-COBRA covers groups with 2 to 19 employees (not subject to federal COBRA), allowing up to 9 months of continuation.

3. In group health insurance, the actual insurance contract is issued to the:

Group sponsor (such as the employer) as a master contract

The insurer issues a master contract to the group sponsor; individual members receive certificates of coverage.

4. Each covered member of a group health plan receives a:

Certificate of coverage summarizing benefits

Members receive a certificate of coverage describing their benefits and rights under the master contract.