COBRA

Eligibility

The right to COBRA continuation coverage was created by a Federal law, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). COBRA continuation coverage can become available to you and to other members of your family who are covered under the Medical Plan, the Dental Plan, the Vision plan, and/or the Medical FSA when you would otherwise lose such group health plan coverage.

University employees become eligible for COBRA when either one of the following qualifying events happens:

  • A reduction in your hours of employment (i.e. your status changes from full time to part time); or
  • Your employment ends for any reason other than your gross misconduct and you do not become covered under the Pre-65 Retiree Medical Benefits Program.

Election

  • Human Resources will notify COBRA Administrator, WEX, one week prior to separation and within 30 days of the qualifying event (loss of coverage).
  • WEX will send COBRA election notice to former employee/qualified beneficiary within 14 days of notification.
  • Former employee/Qualified beneficiary has 60 days from the date of the notification to elect continuation of coverage.
  • Former employee/Qualified beneficiary has 45 days to pay the first premium to WEX.
  • WEX will notify Human Resources of the election.
  • WEX will notify the insurance carriers to reinstate coverage within 7-10 business days after payment, effective on the date that group health plan coverage would otherwise have been lost

See the welfare plan document for more details.

2025 COBRA Rates

The following information applies to COBRA participants. You will have the same three Cigna medical plan choices and the same vision plan and dental plans. 

Base High Deductible $4,000

Base High Deductible: 2025 Total Monthly Premiums Bi-Weekly Employee (26 pays) Cost COBRA 2% Fee  COBRA Monthly Cost
Employee 601.73 $19.15 $12.03 $613.76
Employee+Child $902.59 $65.09 $18.05 $920.64
Employee+Spouse $1,263.63 $95.26 $25.27 $1,288.90
Employee+Children $1,323.81 $96.84 $26.48 $1,350.29
Employee+Family $1,724.03 $168.06 $34.48 $1,758.51

Value High Deductible $2,500

Value High Deductible: 2025 Total Monthly Premiums Bi-Weekly Employee (26 pays) Cost COBRA 2% Fee  COBRA Monthly Cost
Employee $728.21 $45.72 $14.56 $742.77
Employee+Child $1,092.29 $87.23 $21.85 $1,114.14
Employee+Spouse $1,529.23 $134.02 $30.58 $1,559.81
Employee+Children $1,602.05 $147.37 $32.04 $1,634.09
Employee+Family $2,086.39 $250.46 $41.73 $2,128.12

Choice Open Access 

Choice Open Access: 2025 Total Monthly Premiums Bi-Weekly Employee (26 pays) Cost COBRA 2% Fee  COBRA Monthly Cost
Employee $761.37 $51.45 $15.23 $776.60
Employee+Child $1,142.04 $113.53 $22.84 $1,164.88
Employee+Spouse $1,598.87 $187.91 $31.98 $1,630.85
Employee+Children $1,675.01 $196.86 $33.50 $1,708.51
Employee+Family $2,181.42 $296.40 $43.63 $2,225.05

Delta Dental - Base Plan

Dental Dental: Base Plan 2025 Total Monthly Premiums Bi-Weekly Employee (26 pays) Cost COBRA 2% Fee  COBRA Monthly Cost
Employee Only $23.56 $10.87 $0.47 $24.03
Employee+Child $42.69 $19.70 $0.85 $43.54
Employee+Spouse $42.69 $19.70 $0.85 $43.54
Employee+Family $73.09 $33.73 $1.46 $74.55

Delta Dental - Enhanced Plan

Dental Dental: Enhanced Plan 2025 Total Monthly Premiums Bi-Weekly Employee (26 pays) Cost COBRA 2% Fee  COBRA Monthly Cost
Employee Only $34.82 $16.07 $0.70 $35.52
Employee+Child $63.08 $29.11 $1.26 $64.34
Employee+Spouse $63.08 $29.11 $1.26 $64.34
Employee+Family $108.00 $49.85 $2.16 $110.16

EyeMed Vision

Anthem EyeMed Vision: 2025 Total Monthly Premiums Bi-Weekly Employee (26 pays) Cost COBRA 2% Fee  COBRA Monthly Cost
Employee Only $4.83 $2.23 $0.10 $4.93
Employee+Child $8.45 $3.90 $0.17 $8.62
Employee+Spouse $8.45 $3.90 $0.17 $8.62
Employee+Children $9.66 $4.46 $0.19 $9.85
Employee+Family $14.06 $6.49 $0.28 $14.34