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Q: What is the Consolidated Omnibus Budget Reconciliation Act (COBRA)?
A. COBRA is a federal law that provides for the continuation of medical coverage in certain circumstances.
Q. Am I eligible for COBRA?
A. Everyone who is enrolled in health insurance, and leaves County employment, is entitled to continue health benefits through COBRA.
Q. Am I able to apply for COBRA coverage if I was fired for cause?
A. Yes, you may still apply for COBRA coverage if you are already enrolled in insurance through County, even if you were fired for cause.
Q. What is the deadline to apply for COBRA benefits?
A. You must apply no later than 60 days after your health benefits termination date, or within 60 days of the date you receive notification from your department Human Resources Representative informing you of your right to choose to continue your existing health benefits coverage.
Q. How long can I receive COBRA benefits?
A. Former employees can be covered for a maximum of 36 months.
Q. What does COBRA cost?
A. Under traditional COBRA, you pay the full cost of the health benefits plus an administrative fee. In 2012, traditional COBRA costs $1,594.06 a month for NYSHIP family coverage and $727.01 a month for NYSHIP individual coverage.
Q. What happens to my COBRA health benefits after 36 months?
A. After the 36 months have passed your COBRA coverage will end. You will be sent a conversion policy from the carriers to continue coverage, but the policy will not provide the same level of benefits.