Benefits for 2025
Tacodeli
Legal Notices
Can I enroll in Medicare instead of COBRA continuation coverage after my group health plan coverage ends?
In general, if you don’t enroll in Medicare Part A or B when you are first eligible because you are still employed, after the Medicare initial enrollment period, you have an 8-month special enrollment period 1 to sign up for Medicare Part A or B,
beginning on the earlier of
• The month after your employment ends; or
• The month after group health plan coverage based on current employment ends.
If you don’t enroll in Medicare and elect COBRA continuation coverage instead, you may have to pay a Part B late
enrollment penalty and you may have a gap in coverage if you decide you want Part B later. If you elect COBRA
continuation coverage and later enroll in Medicare Part A or B before the COBRA continuation coverage ends, the Plan
may terminate your continuation coverage. However, if Medicare Part A or B is effective on or before the date of the
COBRA election, COBRA coverage may not be discontinued on account of Medicare entitlement, even if you enroll in the
other part of Medicare after the date of the election of COBRA coverage.
If you are enrolled in both COBRA continuation coverage and Medicare, Medicare will generally pay first (primary payer)
and COBRA continuation coverage will pay second. Certain plans may pay as if secondary to Medicare, even if you are
not enrolled in Medicare.
For more information visit https://www.medicare.gov/medicare-and-you.
If you have questions
Questions concerning your Plan or your COBRA continuation coverage rights should be addressed to the contact or
contacts identified below. For more information about your rights under the Employee Retirement Income Security Act
(ERISA), including COBRA, the Patient Protection and Affordable Care Act, and other laws affecting group health plans,
contact the nearest Regional or District Office of the U.S. Department of Labor’s Employee Benefits Security Administration
(EBSA) in your area or visit www.dol.gov/agencies/ebsa . (Addresses and phone numbers of Regional and District EBSA
Offices are available through EBSA’s website.) For more information about the Marketplace, visit www.healthcare.gov .
Keep your Plan informed of address changes
To protect your family’s rights, let the Plan Administrator know about any changes in the addresses of family members. You
should also keep a copy, for your records, of any notices you send to the Plan Administrator.
Plan contact information
1 https://www.medicare.gov/sign-up-change-plans/how-do-i-get-parts-a-b/part-a-part-b-sign-up-periods
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This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.
2025 Employee Benefit Guide
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