IMPORTANT UPDATE REGARDING COBRA CONTINUATION COVERAGE
This website will be updated with the latest information on the temporary COBRA extension. Please note that the U.S. Department of Labor and IRS may make additional changes to the COBRA rules.
On April 28, 2020, the U.S. Department of Labor and IRS announced a temporary extension of certain deadlines for sending notifications, electing, and paying for COBRA continuation coverage during the COVID-19 outbreak. Under this temporary extension, you have extra time to send certain notifications about COBRA coverage, to elect COBRA coverage, and to make premium payments.
This temporary extension was effective as of March 1, 2020 and pauses individual deadlines until 60 days after the COVID-19 National Emergency has been declared over or until 12 months have passed, whichever occurs first.
What this means
This means that if the timeline for your original deadline began prior to March 1, 2020, your timeline restarts on March 1, 2021 and the number of days remaining in your timeline does not include the days that passed between March 1, 2020 and February 28, 2021. If the timeline for your original deadline would have begun on or after March 1, 2020, your timeline begins on the one-year anniversary of your original deadline.
If you delayed enrolling in or making premium payment(s) for your COBRA continuation coverage, you must enroll and/or pay all missed premium payments by the end of the applicable deadline or coverage will terminate back to the original effective date or month for which you made payment. Please see the end of this page for where to find information on your applicable deadlines and premiums.
If you do not want COBRA coverage or your COBRA payments are up-to-date, no action is required of you.
The following standard federal COBRA timelines are subject to the extension:
Qualified beneficiaries have 60 days from the date of the Specific Rights Notice (SRN) to elect COBRA.
Monthly and Initial Payment Grace Periods
COBRA participants have a 30-day grace period to pay monthly COBRA premiums in order to maintain coverage, and a 45-day grace period to make an initial payment upon first electing COBRA coverage.
Second Qualifying Event and Disability Notifications
COBRA participants have 60 days to notify Discovery Benefits, LLC of a second qualifying event that would extend the COBRA coverage period from 18 months to 36 months. COBRA participants also have 60 days to notify Discovery Benefits of receiving a Social Security Administration disability determination to extend the COBRA coverage period from 18 months to 29 months.
Frequently Asked Questions
Q: Do I have to elect COBRA?
A: You may have other coverage options that may be available to you, including the opportunity to obtain coverage through the Health Insurance Marketplace in your state. A special enrollment period is available in the 36 states that use the HealthCare.gov platform starting on February 15 and continuing through May 15 (other states which operate their own Marketplace platforms may be offering a similar opportunity).
Q: I have recurring payments set up or mail a payment each month. Do I need to take any action?
A: No. If your payments are up to date, no action is required of you.
Q: I’m not sure if my payments are up to date. Where can I check?
A: Log into your online account.
Q: I didn’t elect, but now I’d like to. What should I do?
A: We can’t process overdue elections online. Mail your election paperwork and premiums to:
P.O. Box 2280
Omaha, NE 68103-2280
You can download a copy of your election paperwork under the Communication Activity tab of your online account.
Q: My payments are overdue. What should I do?
A: We can’t process overdue payments online. Mail your payment to:
P.O. Box 2280
Omaha, NE 68103-2280
Include your member ID, which is located under the Profile tab of your online account. Please allow 10-14 business days for your payment to be processed.
Q: If I only had services in specific months, can I pay for coverage for just those months?
A: No. COBRA is a month-by-month benefit and gaps in coverage aren’t allowed.
Q: Does this notice extend the maximum timeframe that I’m eligible for COBRA?
Will I be notified if I’m impacted by a potential COBRA subsidy under the American Rescue Plan Act of 2021?
A: Yes. If you are impacted, we will notify you in writing.
Q: Where can I view a copy of this notice?
A: Click here to download a copy. If you would like a copy mailed to you free of charge, contact us at 844-645-4220 or email EBSACOBRA@serviceaccount.com.