In Oklahoma, if your coverage under a fully insured group health plan is terminated, you and your covered dependents can have coverage extended for a period of time.  For example, if you lost your job, or if your employer has ceased to provide fully insured health benefits to all employees, you can qualify for this temporary coverage extension.  .

• In general, you can remain insured for 30 days after termination, unless you join another health plan before the end of the 30-day period. You will not be charged a premium for coverage during this 30-day extension period. However, if you make a claim during this period, the insurance company may deduct the premium from the amount it pays for that claim.
• If you are pregnant, totally disabled, or if you are undergoing treatment for a serious health condition that began before your group coverage was terminated, you may be able to extend your coverage for 3 or 6 months, depending on your health status. To qualify for this longer extension of coverage, you must have been covered under your fully insured group health plan for at least 6 months. During this longer extension of coverage, you will have to pay the same premium that was charged for your fully insured group health plan before it was terminated.
• If you qualify for this longer extended coverage, you can keep it even if you join a new health plan. This can help you if your new plan imposes a pre-existing condition period.
• If your group coverage was through an HMO, you may have some extension of coverage protections. These rules are different from those that apply to non-HMO plans.

HMOs are required to continue covering your health care if you became pregnant prior to the end of your coverage.  This coverage ends following delivery and discharge from the hospital.

HMOs are also required to continue coverage if you were admitted to an in-patient facility prior to the end of your coverage.  This coverage ends following when you are discharged from the in-patient facility, or when your benefits expire.