Skip to Search Skip to Global Navigation Skip to Local Navigation Skip to Content

Insurance Continuation Coverage & Conversion Privileges

COBRA is continuation of group medical, dental and vision insurance coverage. If you lose eligibility for university insurance coverage, the university will offer you and your covered dependents the option to continue medical, dental, and/or vision insurance, without having to submit evidence of good health. It is only possible to continue the coverage that you or your dependents have at the time you or your dependents lose eligibility. In some cases, you may also continue your UT Flex flexible spending account.

Contact your Human Resources Benefits representative (alpha assigned by your last name).

Sheryl Robisheaux HR Specialist II - Alpha A - G (210) 458-4258
Roberto Romero HR Specialist II - Alpha H - O (210) 458-8509
Elizabeth Corrales HR Specialist II - Alpha P - Z (210) 458-4652

The Human Resources Benefits office will send you a  COBRA letter after your insurance terminates, which occurs on the last day of the month in which your eligibility ends.  The notice is sent to your last known mailing address.

To elect COBRA coverage:

  • Determine your premium using the premium rate table below.
  • Mail the application and payment directly to UT Cobra. They may be reached at 1 (844) 579-8683 The COBRA application includes the mailing address for UT Cobra.

Monthly COBRA Premium Rates

For Plan Year 2016-2017 and Plan Year 2017-2018 (ending August 31 2018)


Plan

Subscriber
Only

Subscriber &
Spouse

Subscriber &
Child(ren)

Subscriber &
Family

UT Select
Medical

$605.96

$1,188.46

$1,085.32

$1,649.62

UT Select
Dental

$33.05

$62.74

$69.16

$98.33

UT Select
Dental Plus

$60.21

$114.35

$126.17

$179.76

Dental HMO $9.07 $17.24 $19.05 $27.20
Vision $6.02 $9.49 $9.71 $15.40

Vision Plus

$9.18

$14.36

$15.38

$21.73

* The premium rates listed in these charts are the regular COBRA rates. If you qualify for the COBRA disability extension and need the associated rates, please contact the UT System Office of Employee Benefits at (512) 499-4616 within 60 days of separating to obtain the applicable COBRA disability rates.

Medicare Eligibility

  • I understand that, whether or not I actually enroll in Medicare, the UT System group health plan (UT SELECT) will be secondary to Medicare when I am eligible for Medicare and not employed in a benefits eligible position with a UT Institution.
  • I also understand that UT strongly recommends that participants who will not be working in a benefits eligible position should enroll in Medicare Parts A and B as soon as they are eligible.
  • Further, I understand that if my dependent(s) are enrolled in UT SELECT and are eligible for Medicare, UT SELECT will be secondary to Medicare for them when I am not working in a benefits eligible position. 
    • NOTE:  An individual usually becomes eligible for Medicare on the first of the month in which they will turn 65 or sooner due to certain disabilities.  For any period in which you and/or your dependents are Medicare eligible and you are not working in a benefits-eligible position, UT SELECT benefits will be reduced by the amount normally paid by Medicare.

Conversion Privileges

You may also be eligible to continue life, long-term disability and long-term care insurance coverage if you lose eligibility for university insurance coverage.

Life Insurance

Application for Conversion

If you are enrolled in basic or voluntary term life insurance, you and your covered dependents may convert the group term life coverage to an individual whole life policy with the insurance company, regardless of your current health. You and your dependents are eligible for conversion even if you retire from the university. The individuals converting must have been insured under the policy for at least five years. To convert your life insurance:  .

Application for Portability

If you are enrolled in voluntary term life coverage, you and your covered dependents may elect to continue term life coverage through portability.  You and your spouse must have been insured for at least one year.  Portability is not an individual policy and does not have a cash value.  Portability rates increase as you age, in five-year increments. This coverage may continue until you or your spouse reach age 65 or your spouse or dependent children no longer meet the definition of a spouse or dependent child.  You and your covered dependents are not eligible for portability if you have elected conversion or if you retire from the university. 

  • Determine your premium by using the Portability Premium Calculation Worksheet
  • Complete Part 2 and submit the Application for Portability to the HRSC within 31 calendar days of the date you lose coverage.
  • The Human Resources office will complete Part 1 and return the application to you.
  • Mail your application and payment directly to the insurance company.

More information about Conversion and Portability is available in the Group Term Life Certificate [PDF].

Long-Term Disability (LTD)

If you are enrolled in LTD insurance, you may be able to convert the coverage to an individual policy. You are not eligible to continue LTD coverage if you retire from the university, you have not been insured for at least 12 consecutive months under the policy, or you are disabled under the terms of the policy.

  • Determine your premium using the Conversion Premium Calculator.
  • Review the Conversion Enrollment Kit for additional details and submit the Employer Questionnaire and your completed Conversion Application to the Human Resources office within 31 days of the date you lose coverage.
  • The Human Resources office will complete the Employer Questionnaire and return the application to you.
  • Mail your application, questionnaire and payment directly to the insurance company.

 

Updated: July 2017