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Continuation of Coverage (COBRA)

When you or a covered dependent lose eligibility to participate in our health plans, the coverage will be terminated on the last day of the month in which employment ends. However, under most circumstances, you may continue the medical/prescription, dental, vision and health care flexible spending account benefits coverage through COBRA.

How COBRA Works | How to Enroll in COBRA | Eligibility | Rates

How COBRA Works

• Under COBRA, you will pay the full group cost of the medical/prescription, dental, and/or vision plan, plus a 2% administrative fee.
• A Health Care Flexible Spending Account may be continued (although the tax benefits of doing so are affected) in order to incur expenses to use contributed funds. Dependent Care Reimbursement Accounts may not be continued under COBRA.
• COBRA coverage is generally offered for up to 18 months, or longer depending on the circumstances.
• When you begin participation in COBRA, you may only continue the benefits in which you were enrolled at the time your coverage was lost (unless you were enrolled in the DHMO and are relocating to an area outside of the DHMO service area). However, you may change the level of coverage (e.g., family to employee and child). Your group numbers and monthly rates will change, but the plan details remain the same.
• During the annual Open Enrollment period, you can elect to enroll in any of the benefits available to Carnegie Mellon COBRA participants. Former part-time benefits eligible employees/dependents are not eligible for dental or vision coverage.
• If you experience a life or family status change, you can add or delete dependents by contacting WEX at 866-451-3399.

How to Enroll in COBRA

1. Carnegie Mellon will notify WEX, Carnegie Mellon's COBRA administrator, within 30 days after a loss of coverage.
   • You must notify Â鶹´å within 30 days if a dependent loses benefits eligibility due to a divorce, etc.
2. WEX will notify you within 14 days of receiving notification about your COBRA eligibility. You will receive a form to complete to continue your coverage through COBRA.
3. Notify WEX within 60 days to continue coverage with COBRA. Coverage will be retroactive to the date you lost active coverage, if you elect to participate. You do not need to enroll in COBRA before your active coverage ends.

Eligibility

Rates