COBRA/Continuation

The COBRA/Continuation Plan is included with fully insured medical groups with less than 100 covered employees, provided that the group is eligible for COBRA.

COBRA

You are subject to federal COBRA law if you employed 20 or more employees during at least 50% of your typical business days during the preceding calendar year. You are required to offer COBRA to employees and their eligible dependents when they lose coverage due to certain qualifying events.

Qualifying events may include the following:

  • Termination of employment
  • Death of the employee
  • Loss of coverage due to retirement
  • Medicare entitlement
  • Reduction in the employee's work hours
  • Divorce or legal separation
  • A child's loss of dependent status

Continuation

If you are not subject to COBRA, then you are subject to Oregon continuation laws.

Qualifying events may include the following:

Among the eligibility requirements is prior coverage. An employee must have been continuously covered for 180 days or more under one or more Oregon based group plans or have at least 18 months of prior health insurance coverage and the most recent coverage was in a group plan.

Portability

Among the eligibility requirements is prior coverage. An employee must have been continuously covered for 180 days or more under one or more Oregon based group plans or have at least 18 months of prior health insurance coverage and the most recent coverage was in a group plan.

COBRA Administration

Third Party Administration

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