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Continuing Medical Coverage After Plan Coverage Ends

Consolidated Omnibus Budget Reconciliation Act (COBRA)

A federal law called the Consolidated Omnibus Budget Reconciliation Act (COBRA) enables a participant and his or her covered dependents to continue health insurance if their coverage ends due to a reduction of work hours or termination of employment (other than for gross misconduct). Federal law also enables a participant's dependents to continue health insurance if their coverage stops due to the participant's death or entitlement to Medicare; divorce; legal separation; or when the child no longer qualifies as an eligible dependent. The participant must elect coverage according to the rules of the SAIC health care plans. Continuation is subject to federal law, regulations, and interpretations.

Voluntary Medical Continuation Plan (VMCP)

SAIC's Voluntary Medical Continuation Plan (VMCP) allows eligible individuals to continue medical coverage upon the expiration of COBRA continuation coverage. Spouses and other eligible dependents are also eligible to continue coverage if they were covered as eligible dependents upon the expiration of COBRA continuation coverage. Please note that dental and vision coverage are not available through the VMCP program.