COBRA

Under a federal law called the Consolidated Omnibus Budget Reconciliation Act (COBRA), you and your eligible covered dependents may continue your group health benefits when your coverage is lost due to a qualifying event.

  • You, your spouse, and dependent children must apply for coverage under COBRA following the qualifying event.
  • Then, you must make monthly payments to Chard Snyder (our COBRA administrator) to keep your coverage.
  • Keep Chard Snyder informed of any family member address changes.
  • Chard Snyder can provide up-to-date monthly rates upon request.

Length of Coverage

You may continue coverage for a maximum of 18 months after a qualifying event. COBRA coverage for you and your dependents only extends from the first qualifying event (if you have more than one).

In some cases, maximum coverage may exceed 18 months:

  • Termination or reduction in hours while disabled (as determined by the Social Security Administration) - 29 months for you, your spouse, and your dependent children
  • Divorce or annulled marriage - 36 months for your spouse and your dependent children who were covered under the plan
  • Dependent child no longer qualifies as dependent - 36 months for dependent child
  • Death - 36 months for your spouse and your dependent children who were covered under the plan at the time of your death

Cost of Coverage and Enrollment

  • Review the letter of notification you receive (if any) from the COBRA Administrator regarding the amount you owe and when your payments are due. No additional notices will be sent.

  • Call Chard Snyder for enrollment or cost estimates: 1.888.878.6175

    • Important for current employees: Calling Chard Snyder to get rates before terminating? Make sure to tell the Chard Snyder representative at the beginning of your call. Otherwise, they will see you are not on their termed employee list and will tell you that you are not eligible for COBRA.
  • UVA Health plan members pay 102% of the premium (total cost of plan coverage for a participant), in accordance with procedures permitted by applicable law.

    • Coverage is only provided if self-payments are made on time in full.
  • If you have a medical expense at a time when you have not made payments, no claims will be paid.

  • You must make all payments before being reimbursed for covered expenses.