ACTION REQUIRED: ENROLLMENT IN COBRA IS NOT AUTOMATIC! YOU MUST ACTIVELY ENROLL IN COBRA THROUGH WEX TO HAVE MEDICAL AND DENTAL COVERAGE(S) REMAIN ACTIVE.

If you do not actively elect COBRA coverage through WEX, your group medical and dental coverage(s) will end on the last day of the month in which your employment ends.

You are responsible for completing and returning the COBRA enrollment form to WEX in a timely manner in order to enroll in COBRA coverage.

You cannot elect COBRA until the first of the month after your termination date. 

If you are enrolled in the company’s medical, dental, and/or life insurance coverage, you may elect to continue your coverage under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) for up to 18 months after your coverage ends at up to 102% of the full premium rate. This represents the company’s full cost of coverage, plus a 2% administrative fee.

All other benefits, including life insurance and long-term disability, will cease upon the employee's separation date; however the team member may choose to convert basic life insurance and any supplemental life insurance benefits they carry. Additional details on this process will be provided by CentraCare's COBRA administration partner, WEX.

If paid salary continuation, the employee portion of the medical and dental premiums will automatically be deducted post-tax on a bi-weekly basis and continue for as long as, and to the extent that, the employee remains eligible for COBRA continuation. If the employee does not elect COBRA, the premiums will be refunded to the employee through the bi-weekly payroll after the sixty (60) day election period. The Company will continue to cover the Employer portion of the medical and dental premiums for the duration of the severance salary continuation period, to the extent that, employee remains eligible for COBRA continuation. The employee should consult the COBRA materials, to be provided by CentraCare's COBRA administration partner, WEX, for details regarding these benefits. All other benefits, including life insurance and long-term disability, will cease upon the employee's separation date however, the employee may choose to convert basic life insurance and any supplemental life insurance benefits they carry. Additional details on this process will be provided by WEX.

Life insurance premiums must be paid directly to WEX.

What to Expect: An explanation of your COBRA coverage rights and instructions for electing COBRA coverage will be mailed to you and your dependent(s), if applicable, under separate cover by WEX after the end of the month in which you separated. You will have 60 days from the date of the COBRA notification or 60 days from the date your coverage ends, whichever is later, to elect COBRA coverage. You will then have 45 days from the date of your COBRA election to make your first payment. Once payment is received, your coverage will be reinstated retroactively to the day your coverage ended. You must continue to make timely payments in order to continue your COBRA coverage.