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Continuation of Coverage (COBRA)

"COBRA" is the term commonly used to describe the right of employees and dependents to temporarily continue health and/or dental insurance after coverage is terminated due to a qualifying event such as employment termination or a dependent reaching the age maximum for coverage. Under COBRA coverage, the employee or dependent can temporarily continue to receive coverage by paying the COBRA rate, which represents the full cost of health and dental insurance. The COBRA rate is greater than the rate active employees pay for insurance because the university does not contribute to the rate. The employee or dependent is paying the full cost for the health and/or dental insurance.

Important Notice Regarding COBRA Premiums

The American Rescue Plan Act of 2021 ARPA (passed in March 2021) introduced a 100% federal COBRA subsidy for qualified beneficiaries (i.e., employees and their covered federally-recognized spouses and dependent children) that were involuntarily terminated or lost coverage due to a reduction in hours, and whose maximum COBRA coverage period has not expired by April 1, 2021.

The university is working the its COBRA plan administrator to implement the new premiums as quickly as possible.  Full details regarding eligibility have not been released by the Federal government.  However, we expect individuals who were involuntarily terminated via non-renewal or lay off in the past and are still in their COBRA coverage period, and individuals scheduled to be involuntarily terminated between April 1, 2021 and September 30, 2021 will be eligible for COBRA at no charge between April 1, 2021 and September 30, 2021.  (Please note, current guidance states the subsidy will end if an individual becomes eligible for other group health coverage or Medicare.  Failure to provide notice of becoming eligible for other group health insurance or Medicare may result in a $250 penalty).

Once fully implemented, qualified beneficiaries will be billed $0 for COBRA premiums between April 1, 2021 through September 30, 2021.  Employers, such as Ohio University, will apply for and receive the subsidy directly from the Federal Government.  COBRA enrollees do not have to apply for a subsidy from the government.

Learn more and view frequently asked questions regarding the American Rescue Plan Act COBRA Subsidy [PDF]. 

Create an Account

Visit Benefit Admin Solutions beginning on your first date without coverage. You may not request an account prior to this date.

  1. Choose Anthem Blue Cross and Blue Shield (Anthem)
  2. Select Employee & Participant Login
  3. Choose Click Here to register

Questions?

Call 1-866-475-3931 if you have questions regarding COBRA.

Premiums

Rates are effective with the start of the new plan year on July 1st.

PPO Medical Plan

  2020/21 monthly rate 2021/22 monthly rate
Single $799.33 $759.62
Single + One Dependent $1598.66 $1,519.25
Family $2397.99 $2,278.68

Vision- VSP Standard

  2020/21 monthly rate 2021/22 monthly rate
Single $3.78 $3.78
Single + One Dependent $9.51 $9.51
Family $15.31 $15.31

Vision- VSP Enhanced

  2020/21 monthly rate 2021/22 monthly rate
Single $6.63 $6.63
Single + One Dependent $16.65 $16.65
Family $26.81 $26.81

Dental

  2020/2021 monthly rate 2021/22 monthly rate
Single $29.78 $27.85
Single + One Dependent $59.56 $55.69
Family $89.33 $83.55

Dental & Orthodontia

  2020/21 monthly rate 2021/22 monthly rate
Single $32.24 $30.15
Single + One Dependent $64.47 $60.30
Family $96.71 $90.44

AFSCME Plan

  2020/21 monthly rate 2021/22 monthly rate
Single $926.86 $987.25
Single + One Dependent $1853.70 $1,974.49
Family $2780.56 $2,961.73

AFSCME Dental

  2020/2021 monthly rate 2021/22 monthly rate
Single $29.78 $27.85
Single + One Dependent $59.56 $55.69
Family $89.33 $83.55

AFSCME Dental & Orthodontia

  2020/21 monthly rate 2021/22 monthly rate
Single $32.24 $30.15
Single + One Dependent $64.47 $60.30
Family $96.71 $90.44