Paying for benefits

Find out how to pay for your Continuation Coverage benefits.

Making your first payment

lf you choose to continue PEBB insurance coverage, you must submit your first payment no later than 45 days after the date the PEBB Program receives your election form. You do not need to send payment with the election form.

Your first payment must cover the cost of Continuation Coverage from the time your PEBB insurance coverage ends through to the end of the previous month.

Example: Sue’s employment ends on September 15, and she loses coverage on September 30. Sue chooses COBRA coverage on November 15. If her first payment is made in November, it must cover the premium for October. If her first payment is made in December, it must cover premiums for October and November, and is due no later than December 30, the 45th day after the date of she chooses COBRA.

You must make sure the amount of your first payment is correct. You may contact the PEBB Program to confirm the amount due. We will not enroll you until you choose to continue your PEBB insurance coverage and make the first full payment. You must mail or bring in your first payment. Make checks payable to the Health Care Authority.

Mail to (if payment enclosed):
Health Care Authority
PO Box 42691
Olympia, WA 98504-2691

Or bring to:
Health Care Authority
626 8th Avenue SE
Olympia, WA 98501

Payment options

After we receive your first full payment, you must pay all future Continuation Coverage premiums (and any applicable surcharges) on time each month. Here are your payment options:

  • Automatic bank account withdrawals
    You must complete and return an Electronic Debit Service Agreement to the HCA. Approval takes six to eight weeks, so you must continue to pay the total due each month until you receive a letter from the Health Care Authority with your electronic debit start date.
  • A personal check or money order
    Please make your check payable to Health Care Authority and mail or bring it to the address listed above.

We consider your payment made on the date it is mailed or hand delivered to the Health Care Authority at one of the addresses above or received by electronic funds transfer. Payment is not considered made if your check is returned due to insufficient funds or for any other reason.

Timelines for monthly payments

Payments are due on the 15th day of each month for that month’s coverage. lf you make a monthly payment on or before the 15th day of the current month, your PEBB insurance coverage will continue for that month.

Your monthly premium may change at the beginning of each calendar year (January 1). We will notify you before the beginning of each calendar year of any changes to premiums and benefits.

Depending on your payment method, you may or may not get a bill for your Continuation Coverage premium as a reminder of your responsibility to pay on time. You are required to make your monthly payments on time, even if we do not send you a bill.

Grace periods for monthly payments

Although monthly payments are due on the 15th day of each month of continuous coverage, you have a 60-day grace period from the due date to make each monthly payment. Your Continuation Coverage will continue as long as you send payment for the current month before the end of the grace period.

If payment is not made within the 60-day grace period, coverage will be cancelled back to the last day of the month that your premiums were paid. For example, if your payment is due May 15, and you do not make a payment by July 14, your coverage is cancelled effective April 30 for nonpayment.

If your coverage is cancelled, you will be responsible for paying all medical and/or dental claims you get after the effective date of the cancellation. Once your COBRA coverage is cancelled, you cannot reenroll.