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FREE Culinary COBRA

If you lost your Culinary insurance, or worry about losing your Culinary insurance, we have great news.

Congress passed the American Rescue Plan Act of 2021. It includes payment for Culinary COBRA. If you qualify, you won’t have to pay anything for your Culinary insurance for up to 6 months. All you have to do is enroll in Culinary COBRA!

What is Culinary COBRA?

  • Culinary COBRA is a subsidy that covers the cost of Culinary health insurance for qualifying participants.
  • If you’re eligible for the Culinary COBRA subsidy, you won’t have to pay anything for your Culinary insurance. It's 100% free.
  • Culinary COBRA can give you up to 6 months of free health insurance, if you qualify.
  • If you paid for April coverage, you will get a refund after enrolling in Culinary COBRA.

Am I eligible for Culinary COBRA?

You are eligible if you:

  • Lost coverage due to loss of job (such as layoff) between November 1, 2019 and February 28, 2021.
  • Lost coverage due to not working enough hours between November 1, 2019 and February 28, 2021.
  • Have made a Super Saver payment, or are eligible now because of a Self-Payment.
  • Are already paying for COBRA.
  • Lose your job or don’t work enough hours for coverage from April 1 to August 31, 2021.

Who is NOT eligible for Culinary COBRA?

You are NOT eligible if you:

  • Quit your job.
  • Qualify for other group insurance. For example, if you have a new job that offers health insurance, or you have health insurance through your spouse’s job.

How much does Culinary COBRA cost?

Normally, regular COBRA can cost over $900 per month. But thanks to the American Rescue Plan Act, Culinary COBRA is FREE to you.

How long will I have Culinary COBRA?

To find out how long you will have Culinary COBRA, select the month in which you lost your Culinary coverage due to job loss or reduced work hours:

2019
2020
2021
March

If you are working enough hours and are not making a Self Pay, Culinary COBRA does not apply to you.

If you lost your Culinary health coverage in November 2019:

You must enroll to get Culinary COBRA for April 2021.

For more information about Culinary COBRA, see our Frequently Asked Questions page.

If you lost your Culinary health coverage in December 2019:

You must enroll to get Culinary COBRA for April and May 2021.

For more information about Culinary COBRA, see our Frequently Asked Questions page.

If you lost your Culinary health coverage in January 2020:

You must enroll to get Culinary COBRA for April, May, and June 2021.

For more information about Culinary COBRA, see our Frequently Asked Questions page.

If you lost your Culinary health coverage in February 2020:

You must enroll to get Culinary COBRA for April, May, June, and July 2021.

For more information about Culinary COBRA, see our Frequently Asked Questions page.

If you lost your Culinary health coverage in March 2020:

You’ll be automatically put on Culinary COBRA for April 2021.

You must enroll in Culinary COBRA to keep your benefits in May, June, July, and August 2021.

For more information about Culinary COBRA, see our Frequently Asked Questions page.

If you lost your Culinary health coverage between April 1, 2020 and February 28, 2021

You’ll be automatically put on Culinary COBRA for April 2021.

You must enroll in Culinary COBRA to keep your benefits in May, June, July, August, and September 2021.

For more information about Culinary COBRA, see our Frequently Asked Questions page.

If you lose your Culinary health coverage in April 2021:

You must enroll in Culinary COBRA to keep your benefits in May, June, July, August, and September 2021.

For more information about Culinary COBRA, see our Frequently Asked Questions page.

If you lose your Culinary health coverage in May 2021:

You must enroll in Culinary COBRA to keep your benefits in June, July, August, and September 2021.

For more information about Culinary COBRA, see our Frequently Asked Questions page.

If you lose your Culinary health coverage in June 2021:

You must enroll in Culinary COBRA to keep your benefits in July, August, and September 2021.

For more information about Culinary COBRA, see our Frequently Asked Questions page.

If you lose your Culinary health coverage in July 2021:

You must enroll in Culinary COBRA to keep your benefits in August and September 2021.

For more information about Culinary COBRA, see our Frequently Asked Questions page.

If you lose your Culinary health coverage in August 2021:

You must enroll in Culinary COBRA to keep your benefits in September 2021.

For more information about Culinary COBRA, see our Frequently Asked Questions page.

How do I enroll in Culinary COBRA?

You can enroll:

  • On the web

    Through the Participant Portal.
    • Make sure your information, including your address and phone number, are up to date in our system.
    • Complete Culinary COBRA Step 1 in the portal.
    • We'll let you know when it's time to complete Culinary COBRA Step 2.
  • With the app

    Use our Customer Service app for Android and Apple mobile devices.
    • Make sure your information, including your address and phone number, are up to date in our system.
    • Complete Culinary COBRA Step 1 in the portal.
    • We'll let you know when it's time to complete Culinary COBRA Step 2.

Will I get a refund if I already made a Self-pay, Super Saver, or COBRA payment for April?

Yes. If you made a Self-Pay, Super Saver, or COBRA payment for April you will get a refund. Your refund will come as a check in the mail when you sign up for Culinary COBRA on the Participant Portal.

Call the Customer Service Office at 702-733-9938 if you need help, or if you have any other questions.