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COBRA
Consolidated Omnibus Budget Reconciliation Act of 1985
This federal law amended the Internal Revenue Code, ERISA, and the Public Health Services Act to require most employers maintaining group health plans to offer employees, their spouses, and their dependents the opportunity to elect continuation coverage, on a self-pay basis, for 18, 29, or 36 months, depending on the qualifying event.
- For a copy of the Notification of COBRA Rights, click here.
- For answers to Frequently Asked Questions about COBRA, click here.
- You can find the "Continuation of Benefits Application—COBRA Form" on the Forms and Documents page of this Web site.
COBRA permits plan sponsors to charge qualified beneficiaries 100 percent of the cost of the coverage, plus an additional 2 percent. In the case of a qualified beneficiary entitled to 29 months of COBRA coverage resulting from disability, the plan sponsor generally can charge 150 percent of the cost of coverage for the additional 11 months.
American Recovery and Reinvestment Act of 2009 (ARRA)
The American Recovery and Reinvestment Act of 2009 (ARRA) reduces the COBRA premium in some cases. The premium reduction is available to certain individuals who experience a qualifying event that is an involuntary termination of employment during the period beginning with September 1, 2008 and ending with December 31, 2009. This premium reduction is available for up to nine months.
Please review the “Summary of the COBRA Premium Reduction Provision under ARRA” before applying for the premium reduction.
If you believe you meet the criteria for the premium reduction, complete the “Application for Treatment as an Assistance Eligible Individual” and return it with your completed “Continuation of Benefits Application—COBRA’ form (see Forms and Documents page) by the election deadline.
Click here to view Freduently Asked Questions about ARRA
COBRA Rates for 2009
The tables below contain the COBRA medical and dental premiums at 102%, which are applicable for non-disability participants. For assistance in determining a specific disability rate of 150%, please contact the Customer Service-Benefits office.
Health Care |
||||
Plan |
Individual |
Individual + Spouse/Partner |
Individual + Children |
Family |
Aetna Standard |
$264.67 |
$555.48 |
$450.11 |
$794.02 |
Aetna HealthFund |
$370.81 |
$778.23 |
$630.63 |
$1,112.42 |
BlueCross Advantage P |
$436.23 |
$915.54 |
$741.89 |
$1,308.71 |
Dental |
||||
Plan |
Individual |
Individual + Spouse/Partner |
Individual + Children |
Family |
CIGNA Dental Care (DHMO) |
$10.79 |
$18.36 |
$22.36 |
$27.76 |
CIGNA Dental PPO |
$27.92 |
$55.46 |
$66.94 |
$94.42 |
Vision |
||||
Plan |
Individual |
Individual + Spouse/Partner |
Individual + Children |
Family |
VSP |
$7.63 |
$12.57 |
$12.85 |
$20.64 |
Contact information related to your COBRA health and/or dental vendor is provided below. This contact information should be utilized for assistance with the following:
- Obtaining answers related to specific claims or claim payments
- Obtaining a replacement identification card
Health Care Vendors
- AETNA - 800.743.0910 or www.aetna.com
- Blue Cross of TN - 800.422.6712 or www.bcbst.com
- Caremark - 866.273.8570 or www.caremark.com
Dental Vendors
- CIGNA Dental Care - 800.367.1037 or www.cigna.com
- CIGNA Dental PPO - 888.DENTAL8 or www.cigna.com
Vision Vendor
- VSP Vision Care - 888.487.5553 or www.vsp.com
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HR Express 2525 West End Ave Suite 218 Nashville TN 37203 Hours M-F 7:30 - 5:30 Last Updated: October 19, 2009 |
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