COBRA Participant Toolkit

Where to Get Help and Additional Information

Modification of Benefits
Continued coverage will be the same health coverage you and/or your dependents would have been entitled if you had not lost coverage under the plan. The employer providing this plan reserves the right to eliminate or modify benefits offered under its health plan and to change the monthly rates. If a health plan is replaced, continuation coverage will continue under the new replacement plan. If the employer cancels health insurance for all employees, then your benefit continuation rights would end at that point in time.
State Laws and Benefit Continuation
For fully insured plans, your state's laws may provide for additional continuation coverage benefits, some form of premium subsidy, and/or coverage time extensions. State requirements are placed on the insurance company, not the employer. Contact your health plan insurer for information about your state's provisions.
Medicare Program
When you are eligible for Medicare and Medicare is allowed by federal law to be the primary payer, the coverage provided by this health plan will be reduced by the amount of benefits allowed under Medicare for the same covered services. This reduction will be made whether or not you actually receive the benefits from Medicare.
About Your Benefit Coverage
This notice does not fully describe continuation coverage or other rights under the Plan. More information about continuation coverage and your rights under the Plan is available in your Summary Plan Description or from the employer providing the plan in which you are enrolled. If you want a copy of your Summary Plan Description, contact the employer's benefits department.
About Federal COBRA, HIPAA, and other regulations:
If you need more information about your rights under ERISA, including COBRA, the Health Insurance Portability and Accountability Act (HIPAA), and other laws affecting group health plans, contact the U.S. Department of Labor's Employee Benefits Security Administration (EBSA) at 1-866-444-3272 or visit the EBSA Website at