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 2019 (September 1, 2018 - August 31, 2019)

Rates include 2% administrative fee.

Health Premium Cost

Plan Name You Only You & Spouse You & Child(ren) You & Family
HealthSelect SM  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
KelseyCare powered by Community Health Choice $495.35 $1,065.00 $879.79 $1,446.44
Scott & White Health Plans $653.74 $1,405.52 $1,157.13 $1,908.91

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
HumanaDental DHMO $9.78 $19.55 $23.47 $33.24
State of TX Dental ChoiceSM $29.21 $58.43 $70.11 $99.33
Dental Discount PlanSM $2.30 $4.59 $5.51 $7.80

HumanaDental 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 $6.14 $12.28 $13.20 $19.34

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 follow:

  • If only one child is continuing coverage, then the child is the COBRA applicant. Pay the You (COBRA Applicant) 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.

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 at:

  • (877) 275-4377 (toll-free), or
  •  7-1-1 or (800) 735-2989

Dependent Cobra Coverage

You can add eligible dependents that you gain due to a qualifying life event (QLE), such as birth, marriage or during Summer Enrollment. You must inform ERS within 31 days of the QLE to add the eligible dependent that you gained.

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.