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Continuing Coverage
Northern Burlington County Regional School District

Upon loss of District coverage, you/your dependent(s) may be eligible to continue coverage. See below for your range of options. Contact Human Resources via email / x2009 if you have questions about your next step.

COBRA
Source: U.S. Department of Labor
The Consolildated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life-changing events, such as a child dependent 'aging out' of District benefits.

Qualified individuals may be required to pay the entire premium, up to 102 percent of the plan cost.

COBRA generally requires that group health plans sponsored by employers, with 20 or more employees in the prior year, must offer employees and their families the opportunity for a temporarily extension of health coverage (called continuation coverage) in certain instances where coverage under the plan would otherwise end. COBRA outlines how employees and family members may elect continuation coverage. It also requires employers and plans to submit notice to employees.

For more information about COBRA, go to the Department of Labor website.

New Jersey Chapter 375 (<31 Dependent) Plan
The New Jersey Chapter 375 plan (also known as the <31 Dependent or DU31 plan) gives eligible adults to age 31 the choice to elect health and prescription coverage under a parent's group health plan. Visit the New Jersey Chapter 375 page or state.nj.us for details about the plan.

Retiree Plans
Retirees may have the option to continue health benefits; contact Human Resources via email / 2009 for eligibility guidelines.

Medicare
This government-sponsored health coverage is typically available to eligible individuals who are age 65 or older, under the age of 65 with specified disabilities, or those with End Stage Renal Disease (ERSD).

Note, if you are eligible for Medicare and are enrolled in the District prescription plan, you are enrolled in a 'creditable coverage' plan. This means you will not be penalized when you decide to enroll in a Medicare Part D plan in the future because your District plan is expected to cover your prescription drugs at or above the same level as a standard Medicare plan. You are provided with a Notice of Creditable Coverage annually; be sure to keep these notices on file. Visit medicare.gov and the Prescription Drugs page for more information.

Affordable Care Act (ACA) Health Insurance Marketplace
Find out about continuing coverage through the Health Insurance Marketplace at healthcare.gov or (800) 318-2596.

NJ FamilyCare: Children's Health Insurance Program (CHIP) / Medicaid
The State of New Jersey offers the NJ FamilyCare CHIP and Medicaid programs to eligible individuals and families. Find out about eligibility and plan options at njfamilycare.org or (800) 701-0720.