Terms of Use 
 

While COBRA allows you to keep your group rates, the total cost is often significantly higher because the employer subsidy is removed.

Monthly Premium 100% of the plan cost plus a 2% administrative fee.
45-Day Initial Window You have 45 days from your election date to make the first payment.
30-Day Grace Period Ongoing payments have a 30-day safety window from the due date.
Disability Rate Premiums may increase to 150% during the 11-month disability extension.

Retroactive Payment Warning

COBRA is never "gap" coverage. Your first premium must cover the entire period from your last day of employment to the present, even if you didn't use the insurance during that time.

Note: The plan is not required to send you a monthly bill. You are responsible for sending payment on time to keep your coverage active.