COBRA


Overview

If employees and their dependents are covered by the State of Rhode Island health insurance plans and lose coverage, they may be eligible for COBRA continuation coverage for any combination of medical, dental, and vision care persuant to the COBRA General Notice of Continuation Rights.

Key Things to Remember

  • COBRA provides temporary coverage of up to 18 months* only.
  • COBRA provides the same health coverage as that for active State employees but at a higher premium. You may consider obtaining health coverage on health exchanges instead.

* 36 months in the case of loss of dependent status, divorce (for the former spouse), and death.

Coverage Details

If you leave State service or experience a reduction in hours that makes you ineligible for State health insurance, a COBRA packet will be sent to your home with enrollment instructions and an election form. (Please note that you may not receive your COBRA election notice until several weeks after your COBRA qualifying event.)

You have 60 days from the date the COBRA election notice is mailed to make a COBRA election. Your active coverage ID card will remain the same if you elect COBRA coverage.

If a dependent is turning 26 and elects COBRA coverage, they need to provide their SSN on the enrollment form provided by UnitedHealthcare (UHC) to receive their own coverage ID.

Note: Rates are effective 1/1/18–12/31/18.

Tip: If you are electing COBRA coverage for only two people (yourself and spouse, yourself and one dependent, spouse and one dependent), call UnitedHealthcare Benefit Services at 1-866-747-0048 and request two individual policies instead of a family policy to reduce your total premiums.


Choice Plus Plan with HSA
Coverage Individual Family
Medical+Dental+Vision $672.31 $1,877.96
Medical+Dental $667.48 $1,864.62
Medical+Vision $641.00 $1,796.85
Medical $636.17 $1,783.51
Dental $31.31 $81.11
Dental+Vision $36.14 $94.45
Vision $4.83 $13.34
2014 Active Plan
Coverage Individual Family
Medical+Dental+Vision $752.80 $2,103.60
Medical+Dental $747.97 $2,090.26
Medical+Vision $721.49 $2,022.49
Medical $716.66 $2,009.15
Dental $31.31 $81.11
Dental+Vision $36.14 $94.45
Vision $4.83 $13.34

Please contact UnitedHealthcare Benefit Services if you have any questions about COBRA:

  • Visit www.uhcservices.com
  • Call (877) 237-8576
  • Email