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COIC/Deschutes County Health Benefits
If you lose your eligibility for COIC/Deschutes County medical, dental, or vision coverage, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) gives you the option of continuing your coverage for a limited period of time. COIC/Deschutes County does not contribute to the cost of your coverage under COBRA.
Under COBRA, Deschutes County will notify you in writing if you are no longer eligible for your existing medical, dental, or vision plan coverage. Within 60 days of this notification or within 60 days of your loss of coverage (whichever is later), you have the option of continuing coverage at your cost for a limited period of time. COBRA is a transition solution to cover you until you enroll in a new medical plan. EBMS administers the program for COIC/Deschutes County. Contact EBMS at 1-800-777-3575 with additional questions regarding COBRA.
You are eligible for COBRA coverage if you were enrolled in a COIC/Deschutes County health, dental, or vision plan and have lost your eligibility because of a change in employment status or certain other life events:
- end of COIC/Deschutes County employment
- reduction in work hours to ineligible status
- layoff from COIC/Deschutes County
- change in employment to ineligible job category
- death of spouse
- change in child’s eligibility
Who and What COBRA Covers
In keeping with federal law, the COIC/ Deschutes County COBRA Plan gives each individual covered under the health plan an independent right to continue the same coverage they were enrolled in before they lost eligibility. COBRA coverage is subject to all the same deductibles, exclusions, limitations, and other provisions as the terminated coverage.
For most eligible individuals, COBRA coverage ends 18 months after the date on which existing COIC/Deschutes County Health Plan coverage is lost. You or individuals covered under your health plan may qualify for a longer period of COBRA coverage under the following conditions:
- If you find yourself without coverage because of divorce, separation, or the death of a spouse, you are eligible for 36 months of COBRA coverage.
- Dependent children who lose eligibility are eligible for 36 months of COBRA coverage.
COBRA Enrollment and Payments
To receive COBRA coverage, you must enroll within 60 days of receiving written notice from the COIC/Deschutes County Plan administrator, EBMS, that you are no longer eligible for your existing COIC/Deschutes County Employee Health Plan, or within 60 days of losing your coverage, whichever is later. You enroll in the COBRA plan by returning the Election Form mailed to you by the COIC/Deschutes County Plan administrator, EBMS.
Your first payment is due within 45 days of signing this form. The amount of your first payment must cover the cost of all the months that have elapsed between the end of your COIC/Deschutes County Health Plan coverage and the date you sign the Election Form. Each subsequent payment is due on the first day of the month for the coming month’s coverage. If EBMS does not receive your monthly payment within 30 days after the due date, your COBRA coverage will be terminated and will not be reinstated.
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