COBRA Participants

TASC provides COBRA Administrative Services to our former employees or dependents that are continuing their medical, dental, vision and/or Flexible Spending Accounts. TASC will be collecting all continuation benefit premium payments as well as answering any questions regarding your account.

The Cigna healthcare plan for currently enrolled COBRA participants will terminate on December 31, 2024; therefore, to continue your participation in a School Board offered healthcare plan you must enroll by the December 16, 2024 enrollment deadline.

COBRA participants currently enrolled in Flexible Benefits, do not need to re-enroll. Your current benefits will continue for the 2025 plan year. There will be no plan design changes for the 2025 plan year. There will be slight rate increases; therefore, premium increases will automatically be applied.

For questions concerning the balance of your account or for enrollment assistance, please contact TASC Customer Care at (800) 422-4661.

What You Need to Know:

Important Information:

If you do not re-enroll during this Open Enrollment period, the following will occur:

  • Your healthcare coverage will terminate December 31, 2024.
  • Your dependent(s) healthcare coverage will terminate December 31, 2024.
  • Your Flexible Benefits will continue. There will be slight rate increases to all plans; therefore, premium increases will automatically be applied.
  • You will be receiving a new set of coupons reflecting your 2025 benefits from TASC.

Dependent Coverage:

  • You can add your eligible dependent during this enrollment period and you will have to submit dependent documentation for each dependent.
  • If you are covering your dependent, you must indicate your dependent’s social security number and provide documentation of proof of eligibility, if not previously submitted. If not, your dependent coverage may be terminated.
  • You can terminate your dependent coverage, but you will not be able to re-enroll the dependent until the next Open Enrollment provided you have maintained your enrollment in a School Board sponsored healthcare plan. You can add a dependent throughout the year if you experience a qualifying change in status event.
  • You and your dependent must be enrolled in the same healthcare plan.

There may be other coverage options available for you and your family and you may be eligible to purchase coverage through the Health Insurance Marketplace. In the Health Insurance Marketplace, you may be eligible for a new kind of tax credit that lowers your monthly premiums right away and you can see what your premiums, deductibles and out-of-pocket expenses will be before you enroll. Being eligible for COBRA does not limit your eligibility for coverage for a tax credit through the Health Insurance Marketplace. Additionally, you may qualify for a special enrollment opportunity for another group or state-funded healthcare plan for which you may be eligible (such as a spouse’s plan). For additional information, please visit www.healthcare.gov.

Healthcare Plans:

Effective January 1, 2025, the School Board will be introducing two new Cigna healthcare plans, the OAP Extended Network and the LocalPlus Focused Network, which will be replacing the OAP High and OAP Standard plans. We will continue to offer the SureFit Network plan*. These three healthcare plans include providers across all specialties, with the primary distinction being the range of providers available within each network. For more information regarding the Cigna plans click the button below.

*NOTE: Selection of a Primary Care Physician (PCP) is required at the time of enrollment and you must reside in the tri-county (Miami-Dade, Broward and Palm Beach) service area. If a PCP is not selected, Cigna will assign you a participating provider based on your zip code.

Medical Plans

Flexible Benefits:

The School Board continues to offer high-quality flexible benefits for eligible participants.

  • Dental:
    • Delta Dental (DHMO & PPO)
    • UnitedHealthcare Dental (DHMO & PPO)
  • Vision: EyeMed
  • Flexible Spending Accounts: TASC

2025 Benefits will not take effect if your 2024 account is not paid in full by the December 16, 2024 deadline.

Covering Your Dependent(s):

If you are covering your dependent(s), you must indicate your dependent(s)’ Social Security Number in the dependent section of the enrollment form. You must also submit proof of eligibility documentation (i.e., marriage certificate for spouse, birth certificate for natural children, etc.).

FAQs

Getting
Started

Do I need to enroll?

Cigna healthcare

Yes. This is a mandatory enrollment for Cigna healthcare, therefore in order to continue your participation in a School Board offered plan you must complete your enrollment by the enrollment deadline.

Flexible Benefits

No. This is a changes only enrollment for Flexible benefits, therefore your current Flexible Benefits will continue for the 2025 plan year.

How can I make changes to my current selections?

You will need to submit your enrollment form by the 2025 Open Enrollment deadline.

Will I receive new coupons for next year?

You will receive new billing coupons for the billing period of January 1 through December 31, 2025.

What if I do not want to continue my current coverage for the 2025 Plan Year?

If you do not want your current coverage to continue for the 2025 plan year, you must contact the TASC Customer Care number at (800) 422-4661, Monday – Friday, 8:00 am – 5:00 pm EST.

If I need help in completing my enrollment form or have additional questions, where can I go to get help?

You can contact the TASC Customer Care number at (800) 422-4661, Monday – Friday, 8:00 am – 5:00 pm EST.

Eligibility

What is COBRA

COBRA is the Consolidated Omnibus Budget Reconciliation Act passed by Congress in 1986. COBRA provides the continuation of group healthcare coverage that has been lost due to certain, specific events.

Which employers are required to offer COBRA coverage?
Employers with 20 or more employees are required to offer COBRA coverage and notify in writing the COBRA Qualified Beneficiaries of their entitlement.
Who is entitled to COBRA coverage?
Individuals covered by a group health plan that experience a valid qualifying event leading to loss of healthcare coverage.
Qualifying events include:

  • Separation/Termination
  • Change in employment status, resulting in the loss of healthcare coverage
  • Divorce of a covered member
  • Death of a covered member
  • Loss of dependent eligibility under plan rules/guidelines

Coverage

What benefits could be continued under COBRA?
The benefits offered are:

  • Healthcare
  • Dental
  • Vision
  • FSA

These benefits are the same benefits the member had when covered under the group plan.

What is the cost of COBRA benefits?

The cost for the benefits cannot exceed 102 percent of the premium previously being paid by the employer, participant or the combination of both.

When are COBRA premiums due?
After you make your first payment for continuation coverage, you will be required to make periodic payments for each subsequent coverage period. The amount due for each coverage period for each qualified beneficiary will be shown on the notice. The periodic payments for continuation coverage are due on the first day of the month for which coverage is provided. If you make a periodic payment on or before the first day of the coverage period to which it applies, your coverage under the Plan will continue for that coverage period without any break.
Can I choose one healthcare plan or one flexible benefit for myself and another for my family?
No. You must cover your family with the same medical plan and/or flexible benefits as yourself.
When are my monthly premiums due?
You must refer to your billing coupon for due date, amount due and where to mail your payment. If payment is not received by the due date, coverage will be terminated and you will lose your COBRA eligibility. Please note that any previous year premiums for medical, dental and/or vision coverage must be paid in order for your current coverage to become effective.
Who do I contact to make my mid-year change?

You can contact the TASC Customer Care number at (800) 422-4661, Monday – Friday, 8:00 am – 5:00 pm EST

Dependents

Can I cancel my coverage OR my dependent’s coverage at any time during the year?

Yes. You may cancel your coverage and your dependent’s coverage any time during the year. However, if you cancel your dependent’s coverage only, you may re-enroll them during the next open enrollment period. You must contact TASC Customer Care number at (800) 422-4661, Monday – Friday, 8:00 am – 5:00 pm EST.

Can my family continue their coverage if I die?

Yes. A dependent who is covered under the plan at the time of the COBRA participant’s death will be eligible to continue their coverage for the duration of the period of initial eligibility.