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COBRA & Direct Billing

AFTER-EMPLOYMENT BENEFITS

COBRA helps close a gap in health coverage

COBRA stands for the Consolidated Omnibus Budget Reconciliation Act. It’s a federal law that protects you and your covered dependents. In short, COBRA gives you the right to continue group health benefits for a short time after certain qualifying events. 

COVERAGE AND CONVENIENCE
Understand qualifying events and how to pay premiums

COBRA

The COBRA benefit becomes available when you (as a covered employee) would otherwise lose coverage due to certain (qualifying) events. Some examples of these events include:

  • End/loss of a job, whether the choice was yours or not (for reasons other than gross misconduct) 
  • Loss/reduction of hours 
  • Divorce or legal separation from your spouse, who is the covered employee
  • Death of your spouse, who is the covered employee
  • Eligibility for Medicare
  • Loss of dependent status and coverage for a child or adult in your care

With PayFlex, you can enroll in COBRA and pay your insurance premiums, all through our website. 

Direct Billing

Direct Billing makes it easy to pay for insurance premiums. It’s usually for retirees, employees out on disability and those taking a leave of absence. With Direct Billing, you can use our website to pay insurance premiums directly from your personal bank account. 

USING COBRA AND DIRECT BILLING
Helpful guides for members

COBRA - Member Quick Reference Guide

Direct Billing - Member Quick Reference Guide

COMMON QUESTIONS
Learn more about COBRA & Direct Billing