What is Surency COBRA?

The Consolidated Omnibus Budget Reconciliation Act (COBRA) provides certain former employees, retirees, spouses, former spouses, and dependent children the right to temporary continuation of health coverage at group rates.

To be eligible for COBRA coverage, you must have been enrolled in your employer’s health plan when you worked, and the health plan must continue to be in effect for active employees. COBRA continuation coverage is available upon the occurrence of a qualifying event that would, except for the COBRA continuation coverage, cause an individual to lose his or her health care coverage.


Member Benefits

LetterWith login and password information
Member LoginWith access to view notices, invoices and payment history
No pre‑existingNo pre-existing condition exclusion periods
Coupon book to help you track and pay monthly premiums

What is considered a qualifying event?

The following examples are considered qualifying events for obtaining COBRA:

  • Voluntary or involuntary termination of employment
  • Reduction in numbers of hours worked


  • Loss of coverage by the employee because of one of the qualifying events listed above
  • Covered employee becomes eligible for Medicare
  • Divorce or legal separation of covered employee
  • Death of the covered employee


  • Loss of coverage by the employee because of one of the qualifying events listed for spouses
  • Loss of status as a dependent child under the plan rules


Visit our Frequently Asked Questions for answers.

Frequently Asked Questions


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