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    COBRA (Optum Financial)


    In the event that you or your covered dependent loses BlueBenefits coverage, there are certain circumstances that will allow you to continue medical, dental and vision coverage, and the Healthcare Flexible Spending Account (FSA) through COBRA, administered by Optum Financial. Under the law, COBRA must be offered to eligible individuals at group rates (subject to change annually).

    Who is eligible?

    You may elect continuation of coverage for yourself and your dependents under COBRA if you lose coverage under the plan due to one of the following qualifying events:
    • Termination (for reasons other than gross misconduct)
    • Reduction in employment hours (Full-Time to Part-Time)
    • Retirement
    • Leave of Absence
    • You become entitled to Medicare
    In addition, continuation of coverage may be available to your eligible dependents under COBRA if:
    • You pass away
    • You and your spouse divorce or separate
    • A covered child ceases to be an eligible dependent
    • You become entitled to Medicare

    Get connected.

    When a COBRA event occurs, a COBRA packet will be mailed to your home address. To apply for COBRA coverage, you or a dependent must contact Optum Financial within 60 days of a qualifying event. You and/or your dependents must pay the full cost of COBRA coverage through mail or online. (Note: A fee will apply for one-time/non-recurring online payments—see FAQS to learn more about this.) Through Optum Financial, you will have online access to review payments, documents, coverage level and manage dependents.

    Additional resources.