Insurance While on Leave
The State allows employees to take paid and unpaid leaves of absence for a variety of reasons. For more about when and under what circumstances a leave may be approved, contact your agency’s human resources office.
You may be able to continue your group insurance coverages for a period of time while you are on an approved leave. Please consult your human resource office for details about:
- Leave Without Pay (LWOP)
- Family Medical Leave Act (FMLA)
- Leave With Pay
- Disability Leave
Keep in mind, after your group insurance medical and dental coverages end, you may qualify for continued coverage through COBRA.
Can I continue my FSA?
COBRA Qualifying Event
After your eligibility for group insurance coverage ends, you may be able to purchase continued medical and dental, on an individual basis, for a period of time under a federal law known as the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA).
Employees and/or dependents may be able to elect a COBRA continuation of medical and dental coverages. You may elect COBRA dental coverage independent of COBRA medical coverage.
|COBRA Qualifying Event||Individuals Eligible for COBRA||Duration of COBRA Coverage|
|Employee's termination of employment or reduction of work hours||Employee, Spouse, Dependent child||Up to 18 months from the date Active plan coverage ends|
Divorce or legal seperation
|Spouse, Dependent child||Up to 36 months from the date Active plan coverage ends|
|Loss of dependent child status||Dependent child||Up to 36 months from the date Active plan coverage ends|
If another qualifying event takes place during the eighteen (18) month continuation period that would entitle a dependent to a longer period of continued coverage, the COBRA period may be extended. At the most, however, coverage cannot be extended past thirty-six (36) months from the date active plan coverage terminated.
Termination of COBRA
Coverage will end on the earliest of the following dates:
- At the end of the applicable coverage continuation period;
- The date the required contributions are no longer made;
- The date the COBRA participant becomes entitled to Medicare;
- The date the COBRA participant becomes covered by any other group health plan; or
- The date the State terminates health care coverage for all employees.
- qualifying events
- conversion privileges
COBRA Administration & Rates
Blue Cross of Idaho administers COBRA coverage for state of Idaho group members.
FY2020 COBRA Rates – MEDICAL
|Enrollee||High Deductible Plan||PPO Plan||Traditional Plan|
|Subscriber and Spouse||$1,004||$1,282||$1,402|
|Subscriber and Child||$703||$897||$981|
|Subscriber and Children||$1,004||$1,282||$1,402|
|Subscriber, Spouse and Child||$1,205||$1,538||$1,682|
|Subscriber, Spouse and Children||$1,506||$1,923||$2,103|
FY2020 COBRA Rates – DENTAL
|Subscriber and Spouse||$68|
|Subscriber and Child||$48|
|Subscriber and Children||$68|
|Subscriber, Spouse and Child||$82|
|Subscriber, Spouse and Children||$102|