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COBRA

The Federal Consolidated Omnibus Budget Reconciliation Act (COBRA) gives you the right to choose continuation of health care coverage if you and/or your eligible dependents lose County coverage. You may continue health care coverage for up to 18, 29, or 36 months, depending on the situation and who is being covered. Within a couple of weeks of the loss of coverage, you will receive a separate COBRA notification from WageWorks, our COBRA Administrator, explaining these rights.

If you think your or your dependents’ health care coverage will end because an event is occurring, there are certain things you must do to continue coverage under COBRA. In some cases, you must notify the County of the event. If COBRA is an option, our TPA will be notified and information will be sent to the qualifying individuals advising them of the cost, time frame to elect, pay and length of coverage. NOTE: COBRA coverage will not be turned on until the first payment is received by FBMC.

QUALIFYING EVENTS
"Qualifying events" are events that cause an individual to lose his or her group health coverage. The type of qualifying event determines who the qualified beneficiaries are for that event and the period of time that a plan must offer continuation coverage.

The following are qualifying events for a covered employee if they cause the covered employee to lose coverage:

  • Termination of the employee's employment for any reason other than "gross misconduct"; or
  • Reduction in the number of hours of employment.
  • The following are qualifying events for the spouse and dependent child of a covered employee if the event causes the spouse or dependent child to lose coverage:
  • Termination of the covered employee's employment for any reason other than "gross misconduct";
  • Reduction in the hours worked by the covered employee;
  • Covered employee becomes entitled to Medicare;
  • Divorce or legal separation of the spouse from the covered employee;
  • Death of the covered employee; or
  • Loss of "dependent child" status under the plan rules.

COBRA administration including notification, billing and payment processing is handled by Fringe Benefits Management Company (FBMC).
For further assistance with COBRA contact FBMC at 1-800-342-8017.
 

2014 COBRA Monthly Rates (PDF)

For further assistance with COBRA contact FBMC at 1-800-342-8017.

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