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Information provided below is for COBRA benefits in effect prior to July 1, 2012.  

Click here to see COBRA information effective July 1, 2012.

COBRA (Consolidate Omnibus Budget Reconciliation Act)
Are you leaving employment with the State of Ohio? Getting divorced? Has your child turned 23 and is no longer eligible for dental and/or vision benefits? Has your child stopped taking college courses?

Should you no longer be eligible for coverage as a State of Ohio employee, you and your dependents may continue your health care coverage for up to 18 months through COBRA. This federally mandated program allows you to continue your medical, dental and vision benefits based on the following qualifying events:

  • Termination or reduction in hours of employment of the covered employee (for reasons other than gross misconduct);
  • Death of the covered employee; or
  • Covered employee becomes eligible for Medicare.
  • The covered employee or one of the qualified beneficiaries is responsible for notifying the plan if the qualifying event is:
  • Divorce;
  • Legal separation; or
  • A child’s loss of dependent status under the plan.

Click the links below to access the information you need quickly.

Paying for Cobra Coverage

Lack of Coverage During Election Period

Conversion to a Private Policy

Eligibility

Important Employee, Spouse and Dependent Notifications Required

Paying for COBRA Coverage

If you elect COBRA coverage, you must pay the total monthly premium (employer and employee shares) plus an additional two percent administrative surcharge.

COBRA Rates July 1, 2012 – June 30, 2013

COBRA Rates July 1, 2011 - June 30, 2012

COBRA Rates July 1, 2010 - June 30, 2011

Lack of Coverage During Election Period

You will not be covered under the plan during the 60-day election period until an election is made to enroll in COBRA and applicable premiums are paid.

Conversion to a Private Policy

If your COBRA coverage ends, you may have the option of converting your coverage to a private policy. Under this type of arrangement, you will be billed directly by your health care plan and you will be responsible for the entire cost. Contact your health plan to determine whether it offers a conversion policy and for information about continuing your health care coverage.

For more information on COBRA, visit the U.S. Department of Labor website or the Center for Medicare & Medicaid Services website.

Click here for the U.S. Department of Labor's FAQ document

Eligibility

For Spouse
If you are the spouse of an employee covered by a state of Ohio group health plan, you have the right to choose continuation coverage for yourself for up to 36 months* if you lose group health coverage for any of the following reasons:

          Death of employee, or
          Divorce or legal separation from employee.

For Dependents
If you are a dependent child of an employee covered by a state of Ohio group health plan, you have the right to choose continuation coverage for yourself for up to 36 months* if you lose group health coverage for any of the following reasons:

Death of employee,
Parents’ divorce or legal separation, or
Dependent child losing eligibility (such as reaching a limiting age, getting married, dropping out of college, etc.).

*COBRA also provides for further extensions of coverage under certain circumstances.

For example, an individual who is determined by the Social Security Administration to be disabled while on an 18-month COBRA policy may be eligible for an additional 11 months of coverage (for a total of 29 months). In addition, when a “secondary event,” such as the death of a former employee, occurs while the family is on COBRA, the 18-month original coverage period may be extended to 36 months for survivors who are on the plan.

All COBRA extension requests and questions should be directed to Benefits Administration Services through HR Customer Service at 614.466.8857, or toll-free at 1.800.409.1205.

Important Employee, Spouse and Dependent Notifications Required
Under the federal law, the employee, spouse or other family member has the responsibility to notify the state of Ohio of a divorce, a legal separation or a child losing dependent status under the group health plan. This notice must be made within 60 days of the event or the date coverage ends in order to be eligible for COBRA continuation.

If this notification is not completed within the required 60-day notification period, rights to continuation coverage will be forfeited.

Notification should be made by contacting your agency's payroll/personnel officer. You may also request additional information from Benefits Administration Services by calling HR Customer Service at 1.800.409.1205.

General Contact

Department of Administrative Services
30 East Broad Street, 27th Floor
Columbus, Ohio 43215
614-466-8857 Local
800-409-1205 Toll Free

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