COBRA - Human Resources at Ohio State

COBRA

COBRA (Consolidated Omnibus Budget Reconciliation Act) allows you or a dependent covered under medical, dental, vision and/or health care Flexible Spending Accounts benefits to continue coverage when it is lost due to any of the following qualifying status changes:

  • Termination of employment (for reasons other than gross misconduct)
  • A reduction in the number of hours of employment that affects benefits eligibility
  • Divorce or legal separation/termination of eligible same-sex domestic partnership
  • Employee’s death (for eligible dependents)
  • Child ceases to be eligible for coverage

Individuals may be eligible for COBRA premium assistance if they are eligible for COBRA at any time April 1 – September 30, 2021, due to a reduction in hours or involuntary termination. Please see the Department of Labor FAQs for details.

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COBRA Details

COBRA is administered by Trustmark, who can be reached at (866) 442-8257. You pay the COBRA rate. Ohio State makes no contribution. All COBRA payments are made directly to Trustmark by you.

2021 COBRA Medical Rates – Monthly
Prime Care Advantage
Out-of-Area Plan1
Prime Care Connect1 Prime Care Choice
Employee Only $576.06 $613.53 $558.53
Employee + Children $1,065.72 $1,135.04 $1,033.30
Employee + Spouse $1,209.72 $1,288.42 $1,172.92
Family $1,800.18 $1,917.29 $1,745.42
1 Must meet additional eligibility criteria
2021 COBRA Dental and Vision Rates – Monthly
Dental Plan Vision Basic Plan Vision Premier Plan
Employee Only $32.33 $6.08 $15.12
Employee + Children $59.79 $10.34 $25.70
Employee + Spouse $72.75 $12.77 $31.76
Family $110.21 $19.46 $48.37
Continuation Period
Maximum Coverage Continuation Period Qualifying Event Qualified Beneficiaries
18 months
  • Employee’s termination
  • Employee’s reduction in hours or type of employment that affects benefits plan eligibility
  • Employee
  • All covered dependents
36 months
  • Employee’s divorce or legal separation/termination of eligible same-sex domestic partnership
  • Employee’s death
  • All covered dependents
36 months
  • Loss of eligibility for a dependent child who reaches the limiting age
  • Eligible covered dependent children

Termination of COBRA
COBRA coverage will cease on the last day of the month in which you

  • Reach the maximum coverage period
  • Fail to submit a premium payment

To view other reasons that COBRA may terminate, please visit the Faculty and Staff Health Plans Specific Plan Details.

 

This is intended to be an overview. Refer to the Plan Document for complete information. In the event the information on these pages differs from the Plan Document, the Plan Document will govern.