Choose your program below to learn more about your COBRA options:
Graduate Medical Education Residents & Fellows
Completing Graduate Medical Education Residents and Fellows: COBRA Continuation of Coverage
The federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) and state laws provide employees and their dependents the opportunity to temporarily continue medical, dental, and life insurance coverage under the resident and fellow benefit plan when certain specific events, called qualifying events, would normally result in the loss of coverage. Under COBRA, the former employee or dependent pays the full cost of coverage at the University's group rates.
COBRA Plan Year Instructions and Premium Rates (pdf)
Disability Options After Completion (pdf)
Qualifying Events for COBRA Coverage
You can continue benefits coverage under COBRA if you lose coverage due to one of the following qualifying events:
- Termination of employment (for reasons other than gross misconduct)
- Layoff
- Change in employment status causing employee's loss of eligibility to participate in the group benefits plan (e.g., reduction in hours to below 50% time or change to ineligible job class)
- Loss of eligibility as a dependent child (due to age)
- Death of covered employee
- Divorce from employee
Due to one of the qualifying events above, your medical, dental, and life insurance coverage will end on the last day of the month in which the qualifying event occurs.
COBRA Information
2024-2025 plan year: July 1, 2024 through June 30, 2025
Enrollment: must be completed within 60 days of your last day of coverage. Continuation coverage must be with the same plan option you had as of the date of coverage termination.
Eligibility: Residents, fellows, and their dependents who enroll in one of the medical, dental, or life insurance plans during their program are automatically eligible for continuation of coverage through COBRA at the end of their residency or fellowship.
Coverage becomes effective retroactively to the first of the month following the date you lost coverage.
Payment and cancellation are completed through BRI COBRA, LLC.
Questions on enrollment or eligibility? Contact the Office of Student Health Benefits at 612-624-0627 or [email protected].
Questions on payments or cancellations? Contact BRI at 866-996-5200, Extension 1 or [email protected].
Enrollment & Change Forms
- COBRA Health Insurance Enrollment & Change Form (pdf)
- COBRA Dental Insurance Enrollment & Change Form (pdf)
- COBRA Life Insurance Enrollment & Change Form (pdf)
COBRA Rates
Rates are effective July 1, 2024 through June 30, 2025. Rates are subject to change annually on July 1.
Medical - Blue Cross and Blue Shield of Minnesota
| Type | Basic (rate per month) | Basic Plus (rate per month) |
|---|---|---|
| Applicant only | $587.70 | $667.80 |
| Applicant and spouse | $1,712.40 | $2,014.20 |
| Applicant and child | $1,310.90 | $1,534.60 |
| Applicant and children | $1,974.70 | $2,320.80 |
| Applicant and family | $2,392.10 | $2,893.00 |
Dental - Delta Dental
| Type | Monthly Rate |
|---|---|
| Applicant only | $23.90 |
| Applicant and family | $67.03 |
Life Insurance - Minnesota Life Insurance Company, a Securian Financial Group affiliate
Rates for residents and fellows terming on or before July 1, 2024.
| Employee Basic Life ($50,000) | $3.15 |
| Additional employee life, spouse life | Month rate per $5000 of face amount. Rates vary according to age and coverage level. |
|---|---|
| Age | Rate |
| Under 30 | $0.27 |
| 30-34 | $0.31 |
| 35-39 | $0.40 |
| 40-44 | $0.66 |
| 45-49 | $1.06 |
| 50-54 | $1.68 |
| 55-59 | $2.10 |
| 60-64 | $5.46 |
| 65-69 | $8.88 |
| 70+ | $22.39 |
Rates for child life insurance
| Benefit amount | Monthly rate |
|---|---|
| $5000 | $0.77 |
Member Identification Cards
You will receive your member ID card(s) by mail approximately three weeks after enrollment. Ensure that your mailing address is up to date in the MyU portal, as this is the address where the card(s) will be sent.
Disability Coverage
For information on disability coverage after completion and the guaranteed standard issue conversion option, visit the disability page.
School of Dentistry Residents & Fellows
Completing School of Dentistry Residents and Fellows: COBRA Continuation of Coverage
The federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) and state laws provide employees and their dependents the opportunity to temporarily continue medical and dental coverage under the resident and fellow benefit plan when certain specific events, called qualifying events, would normally result in the loss of coverage. Under COBRA, the former employee or dependent pays the full cost of coverage at the University's group rates.
COBRA Plan Year Instructions and Premium Rates (pdf)
Disability Options After Completion (pdf)
Qualifying Events for COBRA Coverage
You can continue benefits coverage under COBRA if you lose coverage due to one of the following qualifying events:
- Termination of employment (for reasons other than gross misconduct)
- Layoff
- Change in employment status causing employee's loss of eligibility to participate in the group benefits plan (e.g., reduction in hours to below 50% time or change to ineligible job class)
- Loss of eligibility as a dependent child (due to age)
- Death of covered employee
- Divorce from employee
Due to one of the qualifying events above, your medical, dental, and life insurance coverage will end on the last day of the month in which the qualifying event occurs.
COBRA Information
2024-2025 plan year: July 1, 2024 through June 30, 2025
Enrollment: must be completed within 60 days of your last day of coverage. Continuation coverage must be with the same plan option you had as of the date of coverage termination.
Eligibility: Residents, fellows, and their dependents who enroll in one of the medical, dental, or life insurance plans during their program are automatically eligible for continuation of coverage through COBRA at the end of their residency or fellowship.
Coverage becomes effective retroactively to the first of the month following the date you lost coverage.
Payment and cancellation are completed through BRI COBRA, LLC.
Questions on enrollment or eligibility? Contact the Office of Student Health Benefits at 612-624-0627 or [email protected].
Questions on payments or cancellations? Contact BRI at 866-996-5200, Extension 1, or [email protected].
Enrollment & Change Forms
- COBRA Health Insurance Enrollment & Change Form (pdf)
- COBRA Dental Insurance Enrollment & Change Form (pdf)
COBRA Rates
Rates are effective July 1, 2024 through June 30, 2025. Rates are subject to change annually on July 1.
Medical - Blue Cross and Blue Shield of Minnesota
| Type | Basic (rate per month) | Basic Plus (rate per month) |
|---|---|---|
| Applicant only | $587.70 | $667.80 |
| Applicant and spouse | $1,712.40 | $2,014.20 |
| Applicant and child | $1,310.90 | $1,534.60 |
| Applicant and children | $1,974.70 | $2,320.80 |
| Applicant and family | $2,392.10 | $2,893.00 |
Dental - Delta Dental
| Type | Monthly Rate |
|---|---|
| Applicant only | $23.90 |
| Applicant and family | $67.03 |
Member Identification Cards
You will receive your member ID card(s) by mail approximately three weeks after enrollment. Ensure that your mailing address is up to date in the MyU portal, as this is the address where the card(s) will be sent.
Disability Coverage
For information on disability coverage after completion and the guaranteed standard issue conversion option, visit the disability page.
College of Veterinary Medicine Residents & Interns
Completing College of Veterinary Medicine Residents & Interns: COBRA Continuation of Coverage
The federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) and state laws provide employees and their dependents the opportunity to temporarily continue medical, dental, and life insurance coverage under the resident and intern benefit plan when certain specific events, called qualifying events, would normally result in the loss of coverage. Under COBRA, the former employee or dependent pays the full cost of coverage at the University's group rates.
COBRA Plan Year Instructions and Premium Rates (pdf)
Disability Options After Completion (pdf)
Qualifying Events for COBRA Coverage
You can continue benefits coverage under COBRA if you lose coverage due to one of the following qualifying events:
- Termination of employment (for reasons other than gross misconduct)
- Layoff
- Change in employment status causing employee's loss of eligibility to participate in the group benefits plan (e.g., reduction in hours to below 50% time or change to ineligible job class)
- Loss of eligibility as a dependent child (due to age)
- Death of covered employee
- Divorce from employee
Due to one of the qualifying events above, your medical, dental, and life insurance coverage will end on the last day of the month in which the qualifying event occurs.
COBRA Information
2024-2025 plan year: July 1, 2024 through June 30, 2025
Enrollment: must be completed within 60 days of your last day of coverage. Continuation coverage must be with the same plan option you had as of the date of coverage termination.
Eligibility: Residents, fellows, and their dependents who enroll in one of the medical, dental, or life insurance plans during their program are automatically eligible for continuation of coverage through COBRA at the end of their residency or fellowship.
Coverage becomes effective retroactively to the first of the month following the date you lost coverage.
Payment and cancellation are completed through BRI COBRA, LLC.
Questions on enrollment or eligibility? Contact the Office of Student Health Benefits at 612-624-0627 or [email protected].
Questions on payments or cancellations? Contact BRI at 866-996-5200, Extension 1, or [email protected].
Enrollment & Change Forms
- COBRA Health Insurance Enrollment & Change Form (pdf)
- COBRA Dental Insurance Enrollment & Change Form (pdf)
COBRA Rates
Rates are effective July 1, 2024 through June 30, 2025. Rates are subject to change annually on July 1.
Medical - Blue Cross and Blue Shield of Minnesota
| Type | Basic (rate per month) | Basic Plus (rate per month) |
|---|---|---|
| Applicant only | $587.70 | $667.80 |
| Applicant and spouse | $1,712.40 | $2,014.20 |
| Applicant and child | $1,310.90 | $1,534.60 |
| Applicant and children | $1,974.70 | $2,320.80 |
| Applicant and family | $2,392.10 | $2,893.00 |
Dental - Delta Dental
| Type | Monthly Rate |
|---|---|
| Applicant only | $23.90 |
| Applicant and family | $67.03 |
Member Identification Cards
You will receive your member ID card(s) by mail approximately three weeks after enrollment. Ensure that your mailing address is up to date in the MyU portal, as this is the address where the card(s) will be sent.
Disability Coverage
For information on disability coverage after completion and the guaranteed standard issue conversion option, visit the disability page.