Group Health Continuation Coverage Under COBRA

What is COBRA?

On April 7, 1986, a federal law, the Consolidated Omnibus Budget Reconciliation Act, (commonly known as COBRA) was enacted. This law required that most employers sponsoring group health plans offer employees, former employees, and their families the opportunity for a temporary extension of health coverage (called “continuation coverage”) at group rates in certain instances where coverage under the plan would otherwise end.

Both you and your spouse should read this section carefully.

As a COBRA participant, you and/or your dependents have the same health insurance benefits as an actively employed person. You are able to add dependents during Open Enrollment and for certain “life events”. However, if you terminate coverage, you cannot enroll at a later date.

When can you or your dependents choose COBRA coverage?

• Qualifying Events - Subscriber
• Qualifying Events - Spouse
• Qualifying Events - Dependent Children
• Required Notifications
• Election Period

Discover more about COBRA:

• Length of Continuation Coverage
• New Dependents
• Termination of Continuation Coverage
• Premium Payment
• Spousal Continuation Coverage (COBRA Wrap-Around)

Your coverage with MCHCP shall terminate if any one of these events occurs.