Below is important information regarding your benefits and how your separation from employment impacts them.
This information applies to you if you are a CentraCare team member.
This information applies to you if you are a CentraCare team member.
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.
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.
📞For additional information about your rights to COBRA coverage, contact WEX at 866-451-3399.
WEX is our COBRA vendor. Please contact WEX with any questions you may have:
COBRA and Direct Bill Participant Services Contact Information:
This program is designed to ensure you receive the best possible care through one-on-one coaching with a licensed clinician, supporting your physical, emotional, and overall well-being.
AiRCare provides expert counseling and professional support to help team members and their families lead healthier, more productive lives at work and home.
Here are a few areas where AiRCare may help:
Contact AiRCare Anytime:
For additional information about your medical and/or dental coverage, contact the applicable third-party administrator/insurer, as follows:
Voluntary AD&D insurance coverage will end on your last day of employment. AD&D insurance cannot be continued, and there are no portability or conversion rights for AD&D coverage.
Life insurance coverage ends on the last day of the calendar month in which your employment terminates. You may have the right to extend your Life Insurance Benefit and your Dependents Life Insurance Benefit for up to 18 months under the Minnesota Extension of Life Insurance Benefit provision (also see COBRA Continuation section). You must elect in writing to extend your Life Insurance Benefit and your Dependents Life Insurance Benefit within 60 days of the later of:
At the end of your full COBRA period, you have the right to convert coverage. You must apply to convert your coverage and pay the required premium for your converted coverage within 31 days after the date of any Qualifying Event.
Service Awards. Service Awards will no longer be granted after your termination date. Service Awards granted prior to termination remain active for up to 14 days after termination. Unredeemed awards from the last 365 days can be redeemed at https://centracareservice.isrewards.com. The website requires a personalized code which was sent to you in a letter from Incentive Services after your anniversary date. If you no longer have the code, please contact Incentive Services directly at 1-800-337-8915.
Claims Reimbursement. Claims will continue to run automatically against your HRA funds through the end of the month in which you separate. If COBRA continuation is elected, you will continue to have access to your HRA balance.
If you have turned off the auto-reimbursement through your HRA, you will be able to manually submit for reimbursements for claims occurring through the end of the month in which you separate. If COBRA continuation is elected, you will continue to have access to your HRA balance.
📞 Please contact HealthPartners directly for additional information at 1-844-565-0629, www.healthpartners.com/centracare (Group #71056).
