If you cover a child on the SU health or life insurance benefit plans, that coverage will end on the child’s 26th birthday. Your child will receive a COBRA enrollment notice from the plan’s COBRA administrator. Please make sure the HR Service Center has your child’s updated address information, if it differs from yours. Medical, dental, and/or vision coverage may be continued for up to 36 months under COBRA by paying the full premium cost (including a 2% administrative fee), and may be discontinued at any time.
If your child is incapable of working and self-support due to a physical or mental disability that was present before age 26, he or she may be eligible to extend coverage as your dependent beyond age 26. Please contact the HR Service Center at 315.443.4042 for more information.
In addition to continuing coverage through COBRA, there may be other coverage options available when your child loses group health coverage. For example, he or she may be eligible to buy an individual plan through the Health Insurance Marketplace. By enrolling in coverage through the Marketplace, he or she may qualify for lower costs monthly premiums and lower out-of-pocket costs. Additionally, your child may qualify for a special enrollment opportunity for another group health plan for which he or she is eligible (such as their own employer or a spouse’s plan), even if the plan generally does not accept late enrollees. Typically, such enrollment must be requested within 31 days of the loss of other coverage. For more information about plans available in the Marketplace, visit www.healthcare.gov.