Benefits - Cobra

+
Who administers the program?
CDS Group Health administers our COBRA program for participants in the High Deductible Health Plan, PPO and the HMO plans.

+
Who do I contact if I have any questions on my COBRA election?
The contact person handling COBRA administration at CDS is Alicia Greenwood at 352-6965; email Alicia.Greenwood@uhsinc.com

+
How much does COBRA continuation coverage cost?

Current rates can be found on the Human Resources website with the following link: Washoe County Employee Benefits 

Normally, qualified beneficiaries are required to pay the entire cost of continuation coverage.  The amount a qualified beneficiary may be required to pay may not exceed 102 percent (or, in the case of an extension of continuation coverage due to a disability, 150 percent) of the cost to the group health plan (including both employer and employee contributions).



+
How and when will I be notified of continuing my health coverage?
Terminated employees and their dependents (qualified beneficiaries) will be provided an election notice within 14 days of their termination date.

+
When is my payment due?
The initial premium payment must be made within 45 days after the date of the COBRA election (This is the date the Election Notice is post-marked, if mailed.) Payments must cover the period of coverage from the date of COBRA election retroactive to the date of the loss of coverage.  Qualified Beneficiaries have 60 days beyond the date they receive their election notice to sign up for their health care coverage.

+
When would my coverage start?
The COBRA continued health insurance begins following the date that the health coverage is terminated. The insurance is not activated until payment is received.

+
When does my health insurance coverage end?
Your current health insurance coverage ends on your last day of work.

+
What is COBRA?
The Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985 mandates that employers that have with 20 or more employees and offer health coverage continue to offer employees benefits when they quit, are laid off or fired or have their work hours reduced. Additionally, benefits must be offered to the employee’s spouse and dependents. COBRA benefits apply to health care plans, dental plans, vision plans, prescription drug plans, etc. Benefits may continue for up to 18, 24, 29 or 36 months, depending on the cause for the loss of benefits.

If you are separating service with the County you will most likely be entitled to 18 months of continued coverage.

+
When and how must payment for COBRA continuation coverage be made?
You will be notified by CDS Group Health on the process utilized to continue your health insurance program. After you make your first payment for continuation coverage, you will be required to make periodic payments for each subsequent coverage period.   The periodic payments can be made on a monthly basis.  Under the Plan, each of these periodic payments for continuation coverage is due on the 1st of the month for that coverage period.  If you make a periodic payment on or before the first day of the coverage period to which it applies, your coverage under the Plan will continue for that coverage period without any break.  The Plan will not send periodic notices of payments due for these coverage periods.