A federal law, the Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA), as amended, requires that most employers sponsoring group health plans offer employees and their families the opportunity for a temporary extension of health coverage (called "continuation coverage") at group rates in certain instances where coverage under the plan would otherwise end. This notice is intended to inform you, in a summary fashion, of your rights and obligations under the continuation coverage provisions of the law under COBRA. Both you and your spouse should take the time to read this notice carefully.
If you are an employee of the University of Miami covered by the University of Miami Group Health Plan, you have a right to choose continuation coverage if you lose your group health plan coverage because of a reduction in your hours of employment or the termination of your employment (for reasons other than gross misconduct on your part).
If you are the spouse of an employee covered by the University of Miami Group Health Plan, you have the right to choose continuation coverage for yourself if you lose coverage under the Plan for any of the following reasons:
• The death of your spouse;
• A termination of your spouse's employment (for reasons other than gross misconduct) or reduction in your spouse's hours of employment;
• Divorce from your spouse; or
• Your spouse becomes entitled to Medicare.
In the case of a dependent child of an employee covered by the University of Miami Group Health Plan, he or she has the right to continuation coverage if coverage under the Plan is lost for any of the following five reasons:
• The death of a parent;
• The termination of a parent's employment (for reasons other than gross misconduct) or reduction in a parent's hours of employment with the University of Miami;
• Parents' divorce;
• A parent becomes entitled to Medicare; or
• The dependent ceases to be a "dependent child" under the University of Miami Group Health Plan.
You may have other options available to you when you lose group health coverage.
For example, you may be eligible to buy an individual plan through the Health Insurance Marketplace. By enrolling in coverage through the Marketplace, you may qualify for lower costs on your monthly premiums and lower out-of-pocket costs. Additionally, you may qualify for a 30 day special enrollment period for another group health plan for which you are eligible (such as a spouse's plan), even if that plan generally doesn't accept late enrollees.
Under the law, the employee or a family member has the responsibility to inform the University of Miami, Benefits Administration, PO Box 248106, Coral Gables, Florida 33124-2902, or via interoffice mail, 100 Gables One Tower, Locator Code 2902, within 30 days of divorce or a child losing dependent status under the University of Miami Group Health Plan. The employee or family member also has the responsibility to inform University of Miami, HR-Benefits Administration, within 60 days after a determination is made that the individual is disabled (for Social Security disability purposes and within 30 days of the date of any final determination that the individual is no longer disabled. The University of Miami, as Plan Administrator, will normally have notice of the other qualifying events, i.e. death of the employee, termination of employment or reduction in hours, or Medicare entitlement.
When the University of Miami, HR-Benefits Administration, is notified that one of these events has happened, HR-Benefits Administration will in turn, notify you that you have the right to choose continuation coverage. In order to continue coverage, you must notify HR-Benefits Administration of your decision within 60 days from the date of the notice, whichever is later. A Notice of Election form is made available to you to be signed and returned to HR-Benefits Administration by the due date.
2014 COBRA Medical Rates
2014 COBRA Dental Rates
2013 COBRA Medical Rates
2013 COBRA Dental Rates
An Employee's Guide to Health Benefits Under COBRA