Yes, you can ask your health, dental and/or vision plan administrator about a private policy after your insurance under COBRA ends. ERS will notify you 45 days before your COBRA coverage ends. At that time, contact your plan administrator for specific information about another policy. You can also check options available through the Health Insurance Marketplace at www.HealthCare.gov.
Extension due to disability
If you or a dependent is certified as disabled under Title II or XVI of the Social Security Act before or during the first 60 days of COBRA continuation coverage, you may continue COBRA coverage for up to 11 months beyond the 18 months of initial COBRA coverage. If you think you or your dependent(s) qualifies for this extension, send ERS a copy of your Social Security Administration Notice of Award letter during the first 18 months of COBRA continuation coverage. The letter must include the disability onset date (month/date/year) to be reviewed.
The premium for disability participants who extend their coverage beyond the initial 18 months of COBRA coverage is calculated at 150% of the current group rate.
Extension due to secondary qualifying event
The initial 18-month period of COBRA continuation insurance may be extended to 36 months for your dependent(s) if a secondary qualifying event (such as death, divorce or the loss of status as a dependent child) impacts the status of the covered dependent.