COBRA

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."

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 YourChoice Plan or a Medicare Supplement, you may disregard the information. You should follow up with Employee Health Benefits about enrolling in retiree insurance.

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 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 letter and pay back all premiums in order to continue coverage.  

COBRA Medical Premium Rates

Premium Plan

• Employee Only* $841.44 per month
• Spouse Only $880.89 per month
• Child(ren) Only ** $634.84 per month
• Employee + Family [Spouse and Child(ren)] $2,428.02 per month

Standard Plan

• Employee Only* $820.41 per month
• Spouse Only $858.87 per month
• Child(ren) Only ** $618.97 per month
• Employee + Family [Spouse and Child(ren)] $2,367.32 per month

COBRA Dental Premium Rates

• Employee Only  $34.68 per month
• Employee + One Dependent  $56.10 per month
• Employee + Two or More Dependents $76.50 per month

COBRA Vision Rates

• Employee Only $5.02 per month
• Employee + Spouse $9.55 per month
• Employee + Child(ren) $10.04 per month
• Employee + Family [Spouse and Child(ren)] $14.77 per month

* = Employee or Per Overage Dependent Child (age 26 and up)
** = Dependent Child up through age 25
All COBRA premium rates includes a 2% COBRA administrative Fee