COBRA continuation coverage

COBRA Continuation Coverage

After you leave employment, you may be eligible to continue coverage under COBRA for a maximum of 18 months by paying your premiums directly to ERS. COBRA is limited to the benefits you had when you leave employment. If you choose COBRA continuation coverage, you will pay the full cost of your premium(s).

COBRA Rates for Plan Year 2020 (September 1, 2019 - August 31, 2020)

Rates include 2% administrative fee.

Health Premium Cost

Plan Name You Only You & Spouse You & Child(ren) You & Family
HealthSelectSM  of Texas $635.05 $1,365.37 $1,124.04 $1,854.36
Consumer Directed HealthSelect $589.15 $1,237.06 $1,007.78 $1,701.58
Community First Health Plans $558.35 $1,200.46 $988.26 $1,630.37
Scott and White Health Plan $632.16 $1,359.13 $1,118.90 $1,845.87

If you are a tobacco user, an additional Tobacco User Premium is added to your health premium cost.

Dental Premium Cost

Plan Name You Only You & Spouse You & Child(ren) You & Family
DeltaCare USA DHMO $9.78 $19.56 $23.48 $33.24
State of Texas Dental ChoiceSM $27.75 $55.51 $66.61 $94.36

Delta Dental administers the State of Texas Dental Choice PlanSM (PPO)

Vision Premium Cost

Membership Level You Only You & Spouse You & Child(ren) You & Family
State of Texas Vision $5.22 $10.44 $11.23 $16.45

Tobacco-user Premium

Tobacco-users of Any Age and Adults Who Fail to Certify Member or Spouse or Children* Only Member + Spouse or Member + Children* or Spouse + Children* Family (Member + Spouse + Children*)
Monthly Tobacco-user Premium $30 $60 $90

*The charge for a child is the same regardless of how many children in the household use tobacco or how many covered children 18 or over are not certified.

When using the chart to determine your monthly premium for continuation coverage under COBRA, note the following:

  • If only one child is continuing coverage, then the child is the COBRA applicant. Pay the You Only rate.
  • If multiple children are continuing coverage, the youngest child is the COBRA applicant. Pay the You & Child(ren) rate.
  • If only the spouse is continuing coverage, the spouse is the COBRA applicant. Pay the You (COBRA Applicant) Only rate.
  • If the spouse and child(ren) are continuing coverage, the spouse is the COBRA applicant. Pay the You & Child(ren) rate.
  • If only surviving spouse or ex-spouse is continuing coverage, the spouse is the COBRA applicant. Pay the You Only rate.
  • If surviving spouse and children or ex-spouse and children are continuing coverage, the spouse is the COBRA applicant. Pay the You & Children rate.

Extending COBRA 

Disability Extension

If you or any of your dependents are certified as disabled (Title II or XVI), you may continue insurance for up to an extra 11 months. If you think you or your dependents qualify for this extension, send ERS a copy of your Social Security Administration Notice of Award letter including the date that the disability began.

COBRA Unmarried Children

If you have an unmarried dependent child, they may be eligible to extend COBRA benefits. For more information, contact ERS toll-free at:

  • (877) 275-4377 or
  •  TTY: 711 or (800) 735-2989

Dependent COBRA Coverage

You can add eligible dependents gained through a qualifying life event (QLE), such as birth or adoption, within 31 days of the QLE date or during Summer Enrollment.

Secondary Qualifying Events

An 18-month continuation period may be extended to 36 months for your dependents in the event of death, divorce, or the loss of status as a dependent child.