Health Plan - COBRA
Who is eligible?
You may continue coverage for yourself and your dependents for up to 18 months after one of the following qualifying events: You retire, you are terminated (for reasons other than gross misconduct) or your employment status is changed to a position that does not include benefits.
Your spouse and/or dependent children may continue coverage for up to 36 months after one of the following qualifying events: You are divorced or legally separated or your dependent children cease to qualify for coverage because of age. They may also qualify for coverage if you die. In this case, the University of Alaska will pay your spouse and dependent children's first 12 months of coverage and will count this time concurrent with COBRA.
What if my eligibility changes?
Under the COBRA regulations, you (the employee) or a family member has the responsibility to notify the University of Alaska upon a divorce, legal separation, or a child’s loss of dependent status. To notify the University of Alaska of a qualifying event for spouse or dependent child, you must submit a dependent enrollment/drop form to your regional human resources office. You or a family member must provide this notice no later than 60 days after the date of divorce, legal separation or a child losing dependent status. If you or a family member fails to provide notice during this 60-day period, any family member who loses coverage will not be offered the option to elect COBRA continuation coverage.
If you or a family member fails to notify the University of Alaska, and any claims are mistakenly paid for expenses incurred after the date of the divorce, legal separation or a child losing dependent status, then you and your qualifying family members will be required to reimburse the plan for any claims paid.
In what circumstances will individuals be no longer eligible for the continued coverage?
- You or your dependents fail to pay the required premium for a participating individual on a timely basis.
- You or your dependents become covered under another group health plan with no preexisting condition clause after the date you elect COBRA coverage.
- You or your dependents become entitled to Medicare benefits after the date you elect COBRA coverage.
- An eligible spouse remarries and becomes covered by a group health plan.
- You or your dependents are no longer subject to the preexisting condition clause of another group health plan.
- The university ceases to provide a group health plan.
What is the coverage under COBRA?
The continuation coverage provides the same benefits as the university’s health plan you or your dependents had while you were an active employee. No medical examination is required for continuation; however, the election must be made within 60 days of either the date coverage was to end due to the qualifying event or the date you are notified of your continuation rights, whichever is later.
What does it cost?
Should you wish to continue plan coverage, you and/or your dependents are required to pay the cost of the insurance premiums. You will receive an information packet with rates and application after you experience a qualifying event.