Health Insurance Benefits
FAQs for Departing Staff and Graduate Students
Can graduate students graduating from the University extend their health benefits beyond graduation?
Yes. 2019-20 coverage will remain active through August 14, 2020. If you are insured this year but not eligible for next fall, consider the Calendar Year Continuation (CYC) effective 8/15/2020 – 12/31/2020.
Currently insured students (covered no later than February 15, 2020 through August 14, 2020) will be eligible to enroll in the Calendar Year Continuation Plan, if they:
- Graduate this spring, or
- Become otherwise ineligible for annual coverage in the Fall 2020 semester, e.g, not registered:
- in thesis research
- for nine or more credit hours in a degree program for undergraduates
- for eight or more credit hours in a degree program for Law and Graduate students or
- as a Medical student.
If you believe you may become ineligible for the annual Premier Plan next fall and would like to have the CYC application information sent to you this summer, link below to give the Student Health Insurance Office your summer contact information.
Continuation Notification Form:
If you are eligible for the annual premier plan policy next fall but graduating mid-year, consider your options because partial refunds are not granted. If you are graduating next academic year and are uncertain about your employment prospects, the Plan will remain in effect through August 14, 2021 regardless of your graduation date. The Calendar Year Continuation is not an option for students eligible for the annual Plan and partial refunds are not granted, so carefully consider your insurance options given your specific circumstances.
If you are a J1 or F1 visa holder graduating in December 2020, you have the option to change your coverage from Annual to Fall Only. Please email firstname.lastname@example.org and “cc” your academic adviser requesting the “Fall Only J1 or F1 Acceptance Due to December Graduation Form” after June 15 but before September 15, 2020.
Can staff who are leaving the University extend their health benefits after their final date of employment?
Yes. Pursuant to the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), Georgetown University offers you the opportunity to temporarily continue participating in certain of your Georgetown University sponsored benefit plans if you would otherwise lose coverage due to your termination of employment, layoff, or other change in employment status (referred to as “qualifying events”). The most common qualifying event, other than termination of employment, occurs if you lose your coverage due to transferring from a benefits-eligible to a benefits-ineligible status — (i.e. transferring from full time to part time employment).
You can elect COBRA continuation for the following benefits:
- Medical insurance
- Dental insurance
- Health care reimbursement account
When you terminate employment, your coverage automatically continues until the end of the calendar month coincident with or following your date of termination. For example, if you terminate on April 1, your coverage continues until April 30th. If you terminate on May 31, your coverage continues until May 31st.
Georgetown University sends a list of all employees who have lost their insurance coverage to Secova on a monthly basis. Secova is the company Georgetown has engaged to provide us with COBRA administrative services. They send all participants a COBRA package via the US mail. This package consists of a letter, instruction forms, etc.
If you wish to elect COBRA coverage, you have 60 days to make your decision. The 60 days is measured from the date the letter was sent to you. If you do not respond to this letter within 60 days, your COBRA coverage will end. If you elect COBRA coverage, you have 45 days from the day you elect coverage to make payment. If you do not make payment within this time period, your COBRA coverage will end. Thereafter, payments are due on the first of each month, subject to a 30-day grace period. If you do not make your subsequent monthly payments each month by this due date, your COBRA benefits will end. Generally, COBRA lasts up to 18 months. Special rules may extend this coverage due for unusual circumstances.
For additional information on COBRA or benefits, contact the Georgetown University Office of Faculty and Staff Benefits.