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The federal Consolidated Omnibus Budget Reconciliation Act (COBRA) gives employees and their qualified beneficiaries the opportunity to continue health insurance coverage under the Ave Maria Employee Health Plan when a "qualifying event" would normally result in the loss of eligibility. Some common qualifying events are resignation, termination of employment, or death of an employee; a reduction in an employee's hours or a leave of absence; an employee's divorce or legal separation; and a dependent child no longer meeting eligibility requirements.

Under COBRA, the employee or beneficiary pays the full cost of coverage at Ave Maria's group rates plus an administration fee. Infinisource, contracted Third Party Administrator (TPA), provides each eligible employee with a written notice describing rights granted under COBRA when the employee becomes eligible for coverage under the Ave Maria Employee Health Plan. The notice contains important information about the employee's rights and obligations.

The current monthly rates for Plan Year of 2018 for Michigan are as follows:

MEDICAL PLAN               CORE             PLAN II                 BCN HMO

Single                           $498.98           $571.43                   $470.70
Two Person                    $1,197.55        $1,371.44                 $1,129.67
Family                          $1,496.59        $1,714.29                 $1,412.09

DENTAL PLAN                CORE             ENHANCED            

Single                           $23.31              $ 55.15                   
Two Person                     $42.13             $101.30                  
Family                           $84.61             $184.50                  

VISION PLAN                                                                   

Single                             $ 6.48                                          
Two Person                       $ 9.88                                          
Family                            $17.73

The current monthly rates for Plan Year of 2018 for Out-of-Area are as follows:

MEDICAL PLAN               CORE             PLAN II                 

Single                           $498.98           $571.43                
Two Person                    $1,197.55        $1,371.44               
Family                          $1,496.59        $1,714.29               

DENTAL PLAN                CORE             ENHANCED            

Single                            $23.31             $ 55.15                   
Two Person                      $42.13            $101.30                  
Family                            $84.61            $184.50                  

VISION PLAN                                                                   

Single                             $ 6.48                                          
Two Person                       $ 9.88
Family                            $17.73                                                    

You will be notified (60) sixty days prior to any change in premium; rate renewal generally occurs effective January 1.