Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) and the University of Maine System

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) provides for continued health insurance coverage at employees’ own expense if the employee, their spouse, or their dependents lose medical insurance, dental insurance, vision insurance or Healthcare Flexible Spending Account (FSA) coverage because they terminate employment (for reasons other than gross misconduct); their work hours are reduced below the eligible status for these benefits; they die, divorce, or are legally separated; or a child ceases to be an eligible dependent.  Applicable monthly COBRA rates are generally 102% of total premiums except for the FSA which regular monthly payments are made on an after-tax basis.

Consult the appropriate Summary Plan Descriptions for more details.

COBRA continuation coverage is administered by:

Address: 37 Industrial Drive
Exeter, NH 03833
Telephone: 888-232-3203
Fax: 603-773-4420

2022 COBRA Costs

Medical: Copay$968.14$2,129.88$2,710.75
Medical: Choice$759.02$1,669.83$2,125.24
Traditional Dental$39.31$71.95$122.86
Enhanced Dental$45.68$83.59$142.75
Preventative Dental$26.31$48.15$82.23

Related Information:

Health Insurance Portability and Accountability Act of 1996 (HIPAA):

UMS HIPAA General Operating Policy

Life Insurance Conversion Instructions:

Effective June 1st, 2019

  • Lincoln Financial conversion questions can be directed to 800-423-2765, Option #1.
  • University life insurance terminates at the end of the month in which your employment ends. You have 31 days from that date to convert your basic life, supplemental life, spousal/domestic partner, and child life insurance from the University’s group term policy to an individual policy without needing to provide Evidence of Insurability. Application for conversion is available at this link (External Site). If interested, contact the Employee Benefits Center so the employer section can be completed.