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COBRA

COBRA

COBRA – Federal Continuation of Coverage

Per Federal rules, Manatee County Government is required to provide retirees, employees, and covered dependents with the opportunity to enroll in COBRA if insurance coverage is lost due to a "qualified event" (not to be mistaken with annual Qualifying Events for Plan Level determination purposes). 

If you are an employee, you may elect COBRA if you lose your coverage under the Plan because either one of the following qualifying events happens:

  • Reduction in employment hours, or
  • Your employment ends for any reason other than your gross misconduct

If you are the spouse of an employee, you may elect COBRA if you lose your coverage under the Plan because any of the following qualifying events happens:

  • Your spouse dies;
  • Your spouse’s hours of employment are reduced;
  • Your spouse’s employment ends for any reason other than his or her gross misconduct;
  • Your spouse becomes entitled to Medicare benefits (under Part A, Part B, or both); or
  • You become divorced or legally separated from your spouse.

Your dependent children may elect COBRA if they lose coverage under the Plan because any of the following qualifying events happens:

  • The parent-employee dies;
  • The parent-employee’s hours of employment are reduced;
  • The parent-employee’s employment ends for any reason other than his or her gross misconduct;
  • The parent-employee becomes entitled to Medicare benefits (Part A, Part B, or both);
  • The parents become divorced or legally separated; or
  • The child stops being eligible for coverage under the plan as a “dependent child.”

If you are a retiree intending on enrolling in the Your Choice Plan or a Medicare Supplement, you may disregard the information.

A Former Employee will be provided the opportunity to continue coverage according to the COBRA Rules. Within 15 days after receiving notification of termination, a certified letter will be sent to the last known address containing information for continuation of coverage under COBRA. You must enroll within 60 days of receipt of the certified letter and pay back all premiums in order to continue coverage.

2021 COBRA Medical Rates

  • Individual Only* $700.17
  • Spouse Only $733.01
  • Child(ren) ** $528.28
  • Individual + Family $2020.42

2021 COBRA DENTAL Rates

  • Individual Only $34.68
  • Individual +1 $56.10
  • Individual +2/more $ 76.50

2021 COBRA Vision Rates

  • Individual Only $5.02
  • Spouse Only $9.54
  • Employee + Child(ren) $10.04
  • Employee + Family $14.76

 

*Employee or Dependent Child (age 26 and up)
**Dependent Child up through age 25
The rate includes a 2% administrative Fee