Skip to Content Skip to Search Skip to Utility Navigation Skip to Top Navigation Skip to Content Navigation
Los Alamos National Laboratory
Los Alamos National Laboratory links to site home page
Delivering science and technology to protect our nation and promote world stability

COBRA Continuation of Health Coverage

LANS employees and/or their dependents may be eligible to continue health benefit program coverage (medical, dental, vision, HCRA) at group rates.


Under a federal law called the Consolidated Omnibus Budget Reconciliation Act of 1985, or COBRA, LANS employees and/or their dependents may be eligible to continue health benefit program coverage (called "COBRA coverage") at group rates.

COBRA coverage includes:

  • medical
  • dental
  • vision
  • Health Care Reimbursement Account (HCRA) benefits

COBRA coverage is available in certain instances, called qualifying events, where health benefit program coverage would otherwise end.

You may elect to continue coverage at your own expense on an after-tax basis when the coverage you have through the plan ends.

Coverage may change as permitted or required by changes in any applicable law.


  1. LANS’ COBRA Administrator sends you a COBRA election notice within 14 days after termination of coverage.
  2. You have 60 days to decide whether to elect COBRA coverage.
  3. You have 45 days after electing coverage to pay the initial premium.

While on COBRA you may make changes to your coverage if you have a qualified "life event," and you can cancel coverage at any time.

Does COBRA affect my HCRA?

The IRS considers the Health Care Reimbursement Account (HRCA) an employee welfare benefit plan; therefore, HCRA is subject to COBRA.

If the terminated participant extends coverage through COBRA, they are allowed to submit expenses incurred through that period of coverage, up to their annual election for the plan year with the following two exceptions:

  1. COBRA does not need to be offered to qualified beneficiaries who have overspent their accounts (paid out more than their contributions) as of the date of the qualifying life event.
  2. Those who have under spent their account (ie, paid out less than their contributions), COBRA must be offered but can be cut off at the end of the year in which the qualifying event occurs.

Innovations for a secure nation

Portable MRI aids wounded soldiers, children in remote areas

Portable MRI aids wounded soldiers, children in remote areas

Scientists are developing an ultra-low-field Magnetic Resonance Imaging system that could be low-power and lightweight enough for forward deployment on the battlefield and to field hospitals in the World's poorest regions.  

» All Innovations


Contact LANL

Mailing Address
P.O. Box 1663
Los Alamos, NM 87545

Journalist Queries
Communications Office
(505) 667-7000

Directory Assistance
(505) 667-5061

All Contacts, Media

Inside | Terms of Use, Privacy | Site Feedback
Visit Blogger Join Us on Facebook Follow Us on Twitter See our Flickr Photos Watch Our YouTube Videos Find Us on LinkedIn Find Us on iTunesFind Us on GooglePlay