What is COBRA?

COBRA is a federal law that permits you to continue certain types of group insurance benefits when coverage ends due to termination of employment, reduction in hours, divorce or legal separation, death of the covered employee, a dependent child’s ceasing to be a dependent under the plan, entitlement to Medicare and employer bankruptcy.

When does COBRA coverage become effective?

COBRA coverage is effective on the day after your regular group coverage ended provided that you have made a timely election and payment. Your COBRA Rights Notice includes the election deadline and initial payment amount.

How do I make a payment?

There are several ways to make a payment including check, money order or online at myrsc.com. Your COBRA Rights Notice has information on each option. If you are a retiree, payment options are included in the welcome letter you received from Group Dynamic, Inc. and include the myrsc.com option mentioned previously.

How do my medical and dental claims get paid?

Once your COBRA coverage is reinstated, your claims will be paid in the same manner and by the same insurance company under which they were paid while you were covered under the regular group policy. Claims will only be paid by the insurance company if the dates of service are for a period of time that your coverage was active.