The Consolidated Omnibus Budget Reconciliation Act (COBRA), a federal law, requires MCHCP to offer temporary coverage to members when coverage under the plan would otherwise end. Special COBRA enrollment deadlines and premiums apply.
When MCHCP is notified a qualifying event has occurred, a letter is sent explaining the right to choose COBRA coverage. The member has 60 days from the date of coverage loss or notification from MCHCP, whichever is later, to elect COBRA coverage; otherwise coverage ends.
A member who has Medicare before becoming eligible for COBRA coverage is entitled to coverage under both. Medicare coverage is primary and COBRA is secondary.
Members may add dependents to COBRA coverage due to marriage, birth, or adoption within 31 days of the event. Members may also add eligible dependents to COBRA coverage during MCHCP's annual open enrollment in October.
MCHCP must be notified within 60 days of the following events:
Employer must notify MCHCP within 30 days of the following events:
The affected individual must notify MCHCP of the Social Security Administration's disability determination before the end of the original 18-month COBRA period. The affected individual must also notify MCHCP within 31 days of any final determination that they are no longer disabled.
Missouri State Law
Covered spouse may continue COBRA coverage until age 65 if the following two conditions are met:
To elect COBRA Wrap-Around coverage, the covered spouse must notify MCHCP, in writing, of the request for the COBRA Wrap-Around coverage and their mailing address.
The covered spouse has a limited amount of time to request the COBRA Wrap-Around; if coverage is not elected by the deadlines listed below, coverage ends.
Deadlines to notify MCHCP of request for COBRA Wrap-Around:
Once elected, Spousal COBRA Wrap-Around coverage will terminate on the last day of the month prior to the month the covered spouse turns age 65 or upon the earliest of any of the termination reasons:
If COBRA coverage is terminated, the member may not enroll at a later date. COBRA coverage may end for any of these reasons:
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