COBRA

The Consolidated Omnibus Budget Reconciliation Act of 1985, or COBRA, is a federal that allows you to continue medical coverage if you or a dependent are no longer eligible due to employment status change or other life event.

In keeping with federal law, the FCPS COBRA plan gives each individual covered under a health or vision plan ability to continue the same coverage enrolled in before losing eligibility.  COBRA coverage is subject to all the same deductibles, exclusions, limitations, and other provisions as the terminated coverage.

Eligibility

You are eligible for COBRA coverage if you have lost your FCPS medical or dental plan coverage because of:

  • Termination of employment
  • Reduction in FTE (below .50) to ineligible status
  • Death of spouse
  • Divorce
  • Change in child’s eligibility because of age (over 26), marriage, employment, or
  • other disqualifying event

You are only able to elect to continue the same coverage you had prior to the status change.

What to do

If you lose eligibility for health insurance, FCPS will notify you of the change and offer you COBRA coverage.  Simply return the election form within the required 60 days.  FCPS will then send you an invoice.  Failure to pay by the due date will result in a loss of medical coverage.

This chart shows you the cost of coverage.

MONTHLY COBRA RATES EFFECTIVE 07/01/2017

Medical Plan:

UnitedHealthCare Choice Plan

Coverage Tier

Per Month

Emp Only

 $                     705.86

Emp + 1 Dependent

 $                  1,537.37

Employee + Family

 $                  1,623.49

Delta Dental Plans MONTLY COBRA RATES

Dental Plan:

Standard Delta Dental

BuyUp Delta Dental

Coverage Tier

Per Month

Per Month

Emp Only

 $                       29.40

 $                  40.43

Emp + 1 Dependent

 $                       91.15

 $                 125.37

Employee + Family

 $                     100.85

 $                 138.70

Note: The premiums include a 2% administrative fee.

When COBRA Coverage Begins and Ends

To receive COBRA Coverage, you must enroll within 60 days of receiving written notice from the FCPS COBRA Plan Administrator that you are no longer eligible for your existing FCPS medical or dental plan(s), or within 60 days of losing your coverage, whichever is later.

COBRA coverage begins only when the FCPS COBRA plan administrator receives the first required premium payment. Any delay in the payment of the initial premium may result in

  • a lapse in coverage between the date on which you lose your FCPS coverage and the date on which the initial payment for COBRA coverage is received
  • a termination of COBRA eligibility if the initial payment is not received within 45 days of the signing of the COBRA Election Form

The chart below details the duration of eligibility for COBRA coverage.

Qualifying Event Qualified Maximum Period of Continuation
Termination (for reasons other than gross misconduct) or reduction in hours of employment Employee
Spouse
Dependent Child
18 months (In certain circumstances, qualified beneficiaries may become entitled to a disability extension of an additional 11 months or an extension of an additional 19 months due to the occurrence of a second qualifying event.)
Employee enrollment in Medicare Spouse
Dependent Child
36 months (the actual period of continuation coverage may vary depending on factors such as whether the Medicare entitlement occurred prior to or after the end of the covered employee's employment or reduction in hours.)
Divorce or legal separation Spouse
Dependent Child
36 months
Death of employee Spouse
Dependent Child

36 months

Loss of "dependent child" status under the plan Dependent Child 36 months

COBRA Enrollment and Payments

You enroll in the COBRA plan by returning the Election Form mailed to you by the FCPS COBRA Plan administrator. Your first payment is due within 45 days of signing this form. The amount of your first payment must cover the cost of all the months that have elapsed between the end of your FCPS health and/or dental plan coverage and the date you sign the Election Form. Subsequent payments are due the beginning of each month. Be sure to pay the exact cost of your COBRA coverage.  Failure to pay in a timely manner will result in a loss of coverage.