COBRA Continuation Coverage
Understanding your continuation coverage options
What is COBRA?
COBRA (Consolidated Omnibus Budget Reconciliation Act) allows certain individuals to temporarily continue their health coverage after experiencing a qualifying event that would otherwise end their coverage.
Qualifying Events
COBRA continuation may be available to dependents after:
- Death of the covered retiree
- Divorce or legal separation from the covered retiree
- A dependent child losing eligibility (e.g., reaching age limit)
Coverage Duration
Eligible individuals may continue coverage for up to 36 months from the date of the qualifying event, depending on the type of event.
COBRA Costs
COBRA participants are responsible for the full cost of coverage plus a 2% administrative fee. This is typically higher than what you paid as a covered dependent because you are now paying the entire premium amount.
You must elect COBRA coverage within 60 days of the later of: (1) the qualifying event date, or (2) the date you receive the COBRA election notice. Missing this deadline means losing your right to COBRA coverage.
How to Elect COBRA
- Contact Benistar immediately after a qualifying event
- You will receive a COBRA election notice with detailed instructions
- Complete and return the election form within the deadline
- Make your first premium payment by the due date specified
Questions About COBRA?
Contact Benistar for personalized assistance with continuation coverage.
1-888-588-6682 Contact Form