What causes coverage to end?

COBRA coverage can, in some cases, be terminated before the maximum coverage period expires. Coverage will terminate on the earliest of the following dates:

• Premium payment for your continued coverage is not made on time (within the prescribed grace period).

• After electing COBRA coverage, you become covered under another group health plan.

• After electing COBRA coverage, you first become entitled to Medicare, except Medicare entitlement for end stage renal disease.

• Your coverage is terminated for cause, such as a fraudulent claim, on the same basis that coverage can be terminated for active employees.

• If you have extended COBRA coverage for up to 29 months due to disability and Social Security has made a final determination that you or your dependent is no longer disabled. (You must notify Vita COBRA in writing within 30 days of this Social Security determination).

How do I cancel my COBRA coverage?

Partial coverage cancellations (termination of some but not all Qualified Beneficiaries and/or some but not all health insurance plans) can be made by contacting Vita COBRA either via email, in writing, or by phone.

We also recommend you contact Vita COBRA if you want to make a full termination of all COBRA coverage. That said, simply not paying the next month’s check payment within the required payment grace period will also result in full coverage termination. If you make your monthly premiums by recurring electronic payment, you must contact Vita COBRA to request to terminate COBRA coverage, otherwise payments will continue to be drafted from your bank account until a request for termination is received. 

Cancellations must be made no later than 30 days after the premium due date (or 45 days if you are still within the initial 45-day payment grace period). For example, a cancellation request for coverage with a premium due date of July 1^st must be made no later than July 31^st. Written notification can either be sent to help@vitamail.com or mailed to 1451 Grant Road, #200, Mountain View, CA 94040. You can also cancel coverage over the phone by calling the Vita Concierge at (650) 966-1492.

In your request, please include the COBRA account holder’s name, COBRA account number, the coverage that you are terminating, who is terminating coverage, and the effective date of the termination. If you have set up your premiums to be drafted from your bank account (via ACH), Vita COBRA must receive the cancellation notification at least five (5) business days prior to the scheduled draft date. Without such notice, the draft will be automatically processed and your premium will be paid as normal for that month.