MMC Benefits Handbook
About COBRA Coverage
COBRA continuation allows you and/or your covered family members to temporarily extend current company sponsored coverage at group rates plus an administrative fee in certain circumstances when coverage could otherwise end.
If you or one of your covered family members is losing Company-sponsored coverage because of a qualifying event, you can elect to continue coverage in these Company- sponsored plans:
- medical
- dental
- vision
- Health Care Flexible Spending Account
- Limited Purpose Health Care Flexible Spending Account
- Employee Assistance Program (EAP)
- Teladoc Medical Experts
- Health Advocate
To continue coverage, you and/or your covered family members must be enrolled in these plans on the date of the qualifying event.
The length of time you can continue coverage depends on the type of qualifying event.
You must enroll within a specified time period to continue coverage.
Coverage continuation for domestic partners varies depending on the medical plan in which you're enrolled.
Will my annual deductible or out-of-pocket maximum under my medical or dental plan count towards the deductibles and out-of-pocket maximums under COBRA?
Amounts you have paid toward your deductible or out-of-pocket limit under your medical and dental plan as an active employee (or covered family member) will be credited toward your COBRA deductible or out-of-pocket limit in the same calendar year. For example, if your annual deductible for a medical plan is $3,200, and you paid $1,800 toward this deductible before your qualifying event, your COBRA deductible for the rest of the calendar year will be $1,400. Starting with the next calendar year, your COBRA deductible will again be $3,200.