Page 24 - Great Circle 2021 Benefits Guide
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In addition, if you have a new dependent as a result of You may have other options available to you when you
marriage, birth, adoption, or placement for adoption, you may lose group health coverage. For example, you may be
be able to enroll yourself and your dependents. However, you eligible to buy an individual plan through the Health Insurance
must request enrollment within 30 days after the marriage, Marketplace. By enrolling in coverage through the Marketplace,
birth, adoption, or placement for adoption. you may qualify for lower costs on your monthly premiums and
lower out-of-pocket costs. Additionally, you may qualify for a
To request special enrollment or obtain more information, 30-day special enrollment period for another group health plan
contact: for which you are eligible (such as a spouse’s plan), even if that
Rita Bowie plan generally doesn’t accept late enrollees.
Director of Beneits & Compensation
573.228.8812 What is COBRA Continuation Coverage?
* This notice is relevant for healthcare coverages subject to the COBRA continuation coverage is a continuation of Plan
HIPAA portability rules coverage when coverage would otherwise end because of a life
event known as a “qualifying event.” Speciic qualifying events
Continuation Coverage Rights Under are listed later in the notice. After a qualifying event, COBRA
COBRA continuation coverage must be ofered to each person who is a
“qualiied beneiciary”. A qualiied beneiciary is someone who
Introduction will lose coverage under the Plan because of a qualifying event.
You are receiving this notice because you have recently become Depending on the type of qualifying event, employees, spouses
covered under (the Plan). This notice of employees, and dependent children of employees may be
contains important information about your right to COBRA qualiied beneiciaries. Under the Plan, qualiied beneiciaries
continuation coverage, which is a temporary extension of who elect COBRA continuation coverage must pay for COBRA
coverage under the Plan. This notice generally explains COBRA continuation coverage.
continuation coverage, when it may become available to you
and your family, and what you need to do to protect the right If you are an employee, you will become a qualiied beneiciary
to receive it. When you become eligible for COBRA, you may if you will lose your coverage under the Plan because either one
also become eligible for other coverage options that may cost of the following qualifying events happen:
less than COBRA continuation coverage. 1 . Your hours of employment are reduced, or
The right to COBRA continuation coverage was created by 2 . Your employment ends for any reason other than your
a federal law, Consolidated Omnibus Budget Reconciliation gross misconduct.
Act of 1985 (COBRA). COBRA continuation coverage can If you are the spouse of an employee, you will become a
become available to you and to other members of your family qualiied beneiciary if you will lose your coverage under the
when group health coverage would otherwise end. For more Plan because of any of the following qualifying events happens:
information about your rights and obligations under the Plan
and under federal law, you should either review the Plan’s 1 . Your spouse dies;
Summary Plan Description or get a copy of the Plan Document 2 . Your spouse’s hours of employment are reduced;
from the Plan Administrator. 3 . Your spouse’s employment ends for any reason other than
his or her gross misconduct;
4 . Your spouse becomes enrolled in Medicare (Part A, Part B,
or both); or
5 . You become divorced or legally separated from your
spouse.
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marriage, birth, adoption, or placement for adoption, you may lose group health coverage. For example, you may be
be able to enroll yourself and your dependents. However, you eligible to buy an individual plan through the Health Insurance
must request enrollment within 30 days after the marriage, Marketplace. By enrolling in coverage through the Marketplace,
birth, adoption, or placement for adoption. you may qualify for lower costs on your monthly premiums and
lower out-of-pocket costs. Additionally, you may qualify for a
To request special enrollment or obtain more information, 30-day special enrollment period for another group health plan
contact: for which you are eligible (such as a spouse’s plan), even if that
Rita Bowie plan generally doesn’t accept late enrollees.
Director of Beneits & Compensation
573.228.8812 What is COBRA Continuation Coverage?
* This notice is relevant for healthcare coverages subject to the COBRA continuation coverage is a continuation of Plan
HIPAA portability rules coverage when coverage would otherwise end because of a life
event known as a “qualifying event.” Speciic qualifying events
Continuation Coverage Rights Under are listed later in the notice. After a qualifying event, COBRA
COBRA continuation coverage must be ofered to each person who is a
“qualiied beneiciary”. A qualiied beneiciary is someone who
Introduction will lose coverage under the Plan because of a qualifying event.
You are receiving this notice because you have recently become Depending on the type of qualifying event, employees, spouses
covered under
contains important information about your right to COBRA qualiied beneiciaries. Under the Plan, qualiied beneiciaries
continuation coverage, which is a temporary extension of who elect COBRA continuation coverage must pay for COBRA
coverage under the Plan. This notice generally explains COBRA continuation coverage.
continuation coverage, when it may become available to you
and your family, and what you need to do to protect the right If you are an employee, you will become a qualiied beneiciary
to receive it. When you become eligible for COBRA, you may if you will lose your coverage under the Plan because either one
also become eligible for other coverage options that may cost of the following qualifying events happen:
less than COBRA continuation coverage. 1 . Your hours of employment are reduced, or
The right to COBRA continuation coverage was created by 2 . Your employment ends for any reason other than your
a federal law, Consolidated Omnibus Budget Reconciliation gross misconduct.
Act of 1985 (COBRA). COBRA continuation coverage can If you are the spouse of an employee, you will become a
become available to you and to other members of your family qualiied beneiciary if you will lose your coverage under the
when group health coverage would otherwise end. For more Plan because of any of the following qualifying events happens:
information about your rights and obligations under the Plan
and under federal law, you should either review the Plan’s 1 . Your spouse dies;
Summary Plan Description or get a copy of the Plan Document 2 . Your spouse’s hours of employment are reduced;
from the Plan Administrator. 3 . Your spouse’s employment ends for any reason other than
his or her gross misconduct;
4 . Your spouse becomes enrolled in Medicare (Part A, Part B,
or both); or
5 . You become divorced or legally separated from your
spouse.
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