When you’re not able to maintain eligibility for your next benefit period, you can continue your SAG-AFTRA Health Plan coverage through COBRA. You also may be eligible for the Plan’s COBRA assistance benefits, which allows you to enroll in COBRA coverage and pay significantly reduced COBRA premiums.
The Plan has been able to offer temporary COBRA relief through a federal subsidy program. The federal program is ending on September 30, 2021. However, the Trustees are extending the SAG-AFTRA Health Plan’s Temporary COVID Relief Premium to qualified participants who lost Active coverage on July 1, 2021, or who will be losing Active coverage on October 1, 2021. Qualified participants are eligible for the Plan’s Temporary COVID Relief Premium regardless of whether they have been receiving the federal COBRA subsidy or not.
Note: If you lost coverage January 1, 2021 or April 1, 2021 and have already qualified for and enrolled in the Temporary COVID Relief program, you will continue to pay the lower subsidized premium as you do now, or if you are currently enrolled in the federal COBRA subsidy program, your premiums as of October 1, 2021 will be the lower premium. Please click here to see the premiums.
The Temporary COVID Relief Premium is now available from October 1, 2021 - December 31, 2021 to qualified participants who lost Active coverage July 1, 2021 or are losing Active coverage October 1, 2021 because they don’t meet the Plan’s eligibility criteria (covered earnings or alternative days).
Please check Benefits Manager for your personal information.
You are eligible for this three-month temporary benefit extension if you meet the following requirements:
•If you lost Active coverage July 1, 2021
- You had at least $13,000 in reported covered earnings during your most recent base earnings period (April 1, 2020 - March 31, 2021)
- You worked at least 50 eligibility days and are losing coverage based on alternative days eligibility AND qualified for coverage based on the alternative days eligibility rule during your most recent coverage period (April 1, 2020 - March 31, 2021)
- You may be eligible for this benefit even if you were not eligible for the federal COBRA subsidy as long as you are currently enrolled in COBRA
•If you are losing Active coverage October 1, 2021
- You had at least at least $20,000 in reported covered earnings during your most recent base earnings period (July 1, 2020 - June 30, 2021)
- You worked at least 75 eligibility days and are losing coverage based on alternative days eligibility AND qualified for coverage based on the alternative days eligibility rule during your most recent coverage period (October 1, 2020 - September 30, 2021)
How do I take advantage of the Plan subsidy?
To take advantage of the Plan subsidy, you must enroll in COBRA and pay the reduced COBRA premium by October 31, 2021.
How much does COBRA Cost?
Temporary COBRA Relief, Career COBRA and regular COBRA monthly premium amounts are posted here.
What if I don’t enroll in COBRA?
If you choose not to enroll in COBRA, you have other coverage options available. You can find more information here.
I am enrolled in COBRA but I don’t fall into either of the groups listed above. How do I find out what my premium rates and eligibility are?
Check Benefits Manager for the most up-to-date information on your premiums and eligibility. You will also receive a personalized letter in the next couple of weeks telling you what your new premium will be and giving you other options if you choose not to stay enrolled in COBRA.
For general COBRA FAQs
Visit your Benefits Manager for your personalized information. If you are currently enrolled in COBRA or are losing coverage on October 1, 2021, you will also receive a letter in the next few weeks that includes your premium as of October 1, 2021, the dependents you are currently covering, the end of your COBRA period and other options available to you if you choose not to enroll in COBRA.