COBRA for Surviving Dependents

Yes. The federal COBRA law gives dependents the right to temporarily continue health and dental insurance. Insurance under COBRA is available only when insurance ends because of certain life events, such as a child turning age 26. 

Dependents can continue insurance for up to 36 months after they lose eligibility as a dependent, as long as they:

  • do not have other group health or dental insurance, and
  • do not become eligible for Medicare. 

You and your dependents can continue insurance for up to 18 months after your employment ended as long as you:

An 18-month continuation period may be extended to 36 months if a secondary qualifying event occurs during the initial 18-month continuation coverage period (e.g., divorce, death or loss of dependent status). You are never entitled to more than 36 months of continuation coverage.

  • do not have other group health or dental insurance, or
  • do not become eligible for Medicare.
Only dependents who were covered on the date of the qualifying life event (QLE) may continue insurance. You can make some changes to your insurance during the Annual Enrollment period, and you can add eligible dependents who you gain due to a QLE, such as by birth or marriage. You must inform ERS within 31 days of the event to add the eligible dependent that you gained.

COBRA Rates for Plan Year 2019 (September 1, 2018 - August 31, 2019)

Rates include 2% administrative fee.

Health Premium Cost

Plan Name You Only You & Spouse You & Child(ren) You & Family
HealthSelect SM  of Texas $635.05 $1,365.37 $1,124.04 $1,854.36
Consumer Directed HealthSelect $589.15 $1,237.06 $1,007.78 $1,701.58
Commuunity First Health Plans $558.35 $1,200.46 $988.26 $1,630.37
KelseyCare powered by Community Health Choice $495.35 $1,065.00 $879.79 $1,446.44
Scott & White Health Plans $653.74 $1,405.52 $1,157.13 $1,908.91

If you are a tobacco user, an additional Tobacco User Premium is added to your health premium cost.

Dental Premium Cost

Plan Name You Only You & Spouse You & Child(ren) You & Family
HumanaDental DHMO $9.78 $19.55 $23.47 $33.24
State of TX Dental ChoiceSM $29.21 $58.43 $70.11 $99.33
Dental Discount PlanSM $2.30 $4.59 $5.51 $7.80

HumanaDental administers the State of Texas Dental Choice PlanSM (PPO),

Vision Premium Cost

Membership Level You Only You & Spouse You & Child(ren) You & Family
State of Texas Vision $6.14 $12.28 $13.20 $19.34

Tobacco-user Premium

Tobacco-users of Any Age and Adults Who Fail to Certify Member or Spouse or Children* Only Member + Spouse or Member + Children* or Spouse + Children* Family (Member + Spouse + Children*)
Monthly Tobacco-user Premium $30 $60 $90

*The charge for a child is the same regardless of how many children in the household use tobacco or how many covered children 18 or over are not certified.

When using the chart to determine your monthly premium for continuation coverage under COBRA, note the follow:

  • If only one child is continuing coverage, then the child is the COBRA applicant. Pay the You (COBRA Applicant) Only rate.
  • If multiple children are continuing coverage, the youngest child is the COBRA applicant. Pay the You & Child(ren) rate.
  • If only the spouse is continuing coverage, the spouse is the COBRA applicant. Pay the You (COBRA Applicant) Only rate.
  • If the spouse and child(ren) are continuing coverage, the spouse is the COBRA applicant. Pay the You & Child(ren) rate.
You can apply for a conversion policy through your health and dental plan within 30 days after your insurance under COBRA ends. We notify you 45 days before your coverage under COBRA ends. At that time, please contact your health and/or dental plan for specific information about a conversion policy.
Make your check or money order payable to GBP (Texas Employees Group Benefits Program). Please send your first payment with your form. A rate sheet is on the other side of this page. No bills or reminder notices will be sent. Payments are due on the first of each month, and we allow a 30-day grace period.
If your dependent child is disabled, you may be able to keep your child covered. To apply, complete the Application to Request Continuation Of Coverage For a Disabled Dependent Child, At Age 26 and Over. Send the completed form to ERS for review up to 90 days prior to your dependent child's coverage expiration date, and we will notify you of our decision.

Your coverage under COBRA extends to the end of the month, and you must pay the full COBRA rate for the month when you begin work. Your new employer will pay a portion for you and your covered dependents starting the month after you begin working.

If you do not pay the full COBRA rate for the month when you begin work:

  • we will cancel your insurance under COBRA; and
  • you and your covered dependents will not have insurance through your employer for at least 90 days.
Yes. After 36 months of insurance under COBRA, you may extend coverage as a "Former COBRA Unmarried Child." You must remain unmarried for this continuation.