What happens to my coverage if I quit my job or I'm laid off or fired?

If your employment ends, you may have certain options such as continuing health insurance under this health benefit plan or purchasing a nongroup conversion policy. Contact your employer or group administrator to learn about the options available.

Continuation of Coverage Under COBRA

Under a federal law known as COBRA, covered employees and their dependent(s) of employers with 20 or more employees can elect to continue coverage for up to 18 months by paying applicable fees to their employer in the following circumstances: your employment is terminated (unless the termination is the result of gross misconduct) or your hours worked are reduced, causing you to be ineligible for coverage.

For more information about your coverage options under COBRA, contact your group administrator or refer to your Member Guide.

Continuation of Coverage Under State Law

Under state law, employees and their dependent(s) of any size group have the option to continue group coverage for 18 months from the date that they cease to be eligible for coverage under the health benefit plan. Employees are not eligible for continuation under state law if:

• The employee is currently eligible for COBRA coverage
• The employee's insurance is terminated because they failed to pay the appropriate contribution
• The employee or their dependent(s) requesting continuation are eligible for another group health plan
• The employee was covered less than three consecutive months prior to termination

You must notify the group of your intention to continue coverage and pay the applicable fees before your period of eligibility has ended. The state law benefits run concurrently and not in addition to any applicable federal continuation rights.

For more information about your coverage options under state law, contact your group administrator or refer to your Member Guide.

Purchasing a Non-Group Conversion Policy

If you would like more information about purchasing a non-group policy, please contact Customer Service at 877-258-3334 or visit the Plans for Individuals section of our site.