An insurer must offer continued group coverage, but it need not duplicate benefits paid by medicare. Yes, because continuation or conversion rights are extended to people who would otherwise lose eligibility for coverage under the group policy. The cost for continued group coverage is the amount paid by a group member plus any amount paid by the employer for each member. The insurer issuing the policy determines the cost of conversion policies, and the cost is much higher than the cost of group coverage. The employer is required to provide notice in the case of group coverage.
Coverage continues if the required premium is paid.
If coverage terminates, the aggrieved party may have a basis for a civil action against the employer, former spouse or insurer. The statute itself does not make another party responsible for a terminated insured's medical expenses. The statute does not explain this. That, however, is up to the courts to decide. The Commissioner of Insurance does not have authority to decide such questions.