COST OF COBRA COVERAGE vs. CHAPTER 375 COVERAGE
FOR OVER AGE DEPENDENTS WHO ARE AGE 23 THROUGH AGE 31

A dependent child covered under the SHBP or SEHBP is automatically deleted from coverage as of December 31 of the year the child turns age 23. Members and eligible dependents should carefully compare their coverage options before selecting either type of coverage over the other.

• For medical plan and prescription drug benefits, recent changes to Chapter 375 have made premiums required for Chapter 375 coverage less expensive than COBRA coverage (see comparison below).
  
  
• Depending on the parent's coverage selections, COBRA may provide separate enrollment for dental plan
  and vision benefits;
  
  
• The COBRA coverage period is usually for 36 months; an eligible over age child can be covered under
  Chapter 375 coverage to age 31.
  

For additional information about Chapter 375 see Fact Sheet #74, Health Benefits Coverage of Children to Age 31.

For additional information about COBRA see Fact Sheet #30, Continuation of Health Benefits Coverage Under COBRA.

Complete lists of COBRA and Chapter 375 rates are posted to the Health Benefits Web site.