Faculty and Staff participating in Duke's health, dental, and vision coverage are able to continue participation in these plans following separation from Duke under a federal law called COBRA. Though the cost of the coverage differs from your monthly premiums while you are an active employee, this law enables you to retain the coverage for up to 18 months (longer under certain circumstances).
- Here is a link to a presentation developed to help answer questions you may have as well as walk through the process of selecting (enrolling) in COBRA continuation of your coverages. Please note the timeframes for making decisions related to selecting this option. COBRA Continuation Insurance (on-demand presentation)
Duke has selected HealthEquity to administer the COBRA continuation of coverage. You are welcome to contact them directly. To reach the COBRA Continuation Center, call toll free 800-526-2720.
COBRA Changes for Those Who Have Been Involuntarily Terminated
The recently passed American Rescue Plan Act (ARPA) requires employees who have lost Medical, Dental, or Vision coverage due to an involuntary termination or reduction in hours to receive fully subsidized COBRA coverage during the period April 1, 2021 – September 30, 2021, if certain other criteria are met.
Individuals eligible for this assistance will meet the following requirements:
- Health coverage ended due to an involuntary termination or reduction in hours worked below 30 hours per week. Individuals who voluntarily resigned or who retired from Duke are not eligible to receive this subsidy.
- The terminated employee must be below age 65 and not otherwise Medicare-eligible.
- The terminated employee must not be eligible to obtain other group coverage through a spouse’s or parent’s employer health plan.
Individuals who are offered the 100 percent COBRA subsidy will need to complete a written attestation that they meet these requirements and will be subject to IRS tax penalties if they fail to notify Duke that access to other employer group coverage is available.
Additionally, former employees who meet these requirements and who previously lost coverage beginning November 1, 2019, may be eligible to enroll in 100 percent subsidized COBRA coverage for the remaining months that they are COBRA eligible. (For example, a terminated employee who lost health coverage December 31, 2019, due to an involuntary termination or reduction in hours could enroll in 100 percent subsidized COBRA coverage for the period April 1, 2021 – June 30, 2021, the last 3 months of his or her 18-month COBRA eligible period, even if COBRA coverage was not previously elected.)
The offer of 100 percent subsidized COBRA coverage will be extended by HealthEquity, Duke’s COBRA administrator. If you fail to receive a subsidized offering of COBRA and believe that you should be eligible for this subsidy, please contact Duke Human Resources at 919-684-5600.
If you are eligible for the 100 percent subsidized COBRA coverage and have already paid COBRA premiums to HealthEquity for the period April 1, 2021 – September 30, 2021, premiums paid for coverage during the subsidized period will be refunded to you.
For additional information related to subsidized COBRA coverage, please review the following FAQs: