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COBRA Coverage

 

Life is full of changes -- children growing up, retirement, changes in jobs and careers.  But it is a potentially devastating error to go without insurance during a change in family status. For many of these occurrences COBRA can help with the transition.

What is COBRA?

The Consolidated Omnibus Budget Reconciliation Act (COBRA) was signed into law in 1986. In compliance, Purdue and other employers now make group medical insurance and health care flexible spending accounts available for up to 18 months in the following situations:

  • Termination of employment (for reasons other than gross misconduct)
  • Reduction in number of hours of employment which affects benefit eligibility
  • Divorce or legal separation
  • Employee’s death (for eligible dependents)
  • Child ceases to be eligible for coverage under the plans
  • An employee retires

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Who is eligible?

This benefit is available to eligible employees and their dependents. Same-sex domestic partners and sponsored dependents are eligible if enrolled in the medical plan.

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How/when can I sign up?

You have 60 days — from the date your coverage ends OR the date of your COBRA notification, whichever comes later — to elect coverage. If elected, your initial premium is due 45 days after the election date. Coverage and pro-rated premiums are effective back to the qualifying event date. The University will notify terminated employees of their COBRA rights. For other circumstances, however, it is the responsibility of the affected individual to notify Staff Benefits or their campus Human Resources office within 31 days of a qualifying event. Your COBRA notification will come from the vendor InfiniSource.

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What are the rates?

Premiums for coverage will be 102 percent of the full cost of the medical plan selected. (Full cost = employee plus University premiums.)
 

2007 COBRA Contributions  

Monthly Rates

Annual Rate

Purdue 500

Member only  

 $448 

 $5,379

Member and children  

 $740

 $8,876

Member and spouse  

 $1,076

 $12,910

Member and family  

 $1,300 

 $15,600

Incentive PPO

Member only  

 $394

 $4,729

Member and children  

 $650

 $7,803

Member and spouse  

 $946

 $11,349

Member and family  

 $1,143

 $13,714

Arnett Managed Care

Member only  

 $410 

 $4,920

Member and children  

 $677

 $8,119

Member and spouse  

 $984  

 $11,810

Member and family  

 $1,189 

 $14,271

M-Plan HMO

Member only  

 $393 

 $4,718

Member and children  

 $649 

 $7,785

Member and spouse  

 $944

 $11,323

Member and family  

 $1,140 

 $13,682 

2008 COBRA Contributions  

Monthly Rates

Annual Rate

Purdue 500

Member only  

 $479

 $5,743

Member and children  

 $790

 $9,476

Member and spouse  

 $1,149

 $13,783

Member and family  

 $1,388

 $16,655

Incentive PPO

Member only  

 $421

 $5,049

Member and children  

 $694

 $8,330

Member and spouse  

 $1,010

 $12,117

Member and family  

 $1,220

 $14,641

UnitedHealthcare

Member only  

 $410

 $4,925

Member and children  

 $677

 $8,126

Member and spouse  

 $985

 $11,819

Member and family  

 $1,190

 $14,281

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What would cause this benefit coverage to end?

This coverage ends when the continuation period expires, payment is not received, or the University cancels the health plan contract.

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