Paying for benefits

Find out how to pay for your continuation coverage benefits.

How do I make my first payment?

lf you choose to continue PEBB insurance coverage, you must submit your first payment and any applicable premium surcharges no later than 45 days after your election period ends.

Your first payment must cover the cost of continuation coverage from the time your PEBB coverage ends through to the end of the previous month (and must include applicable premium surcharges).

Example: Sue’s employment ends on September 15, and loses coverage on September 30. Sue chooses PEBB Continuation Coverage (COBRA) on November 15. Sue makes the first payment in November, it must cover the premium and any applicable premium surcharges for October. If Sue's first payment is made in December, it must cover premiums and any applicable premium surcharges for October and November, and is due no later than December 30, the 45th day after the date Sue's continuation coverage election period ends.

You must make sure the amount of your first premium payment is correct. You may contact the PEBB Program and select option 4 to speak with PEBB Accounting to confirm the amount due. We will not enroll you until you choose to continue your PEBB insurance coverage and make the first premium payment including applicable premium surcharges. You must mail or bring in your first premium payment. Make checks payable to the Health Care Authority.

Mail to (for first payment only):
Health Care Authority
PO Box 42691
Olympia, WA 98504-2691

Or bring to (8 a.m. to 4:30 p.m. Monday to Friday):
Health Care Authority
626 8th Avenue SE
Olympia, WA 98501

What are my payment options?

After we receive your first full payment and any applicable premium surcharges, you must pay all future continuation coverage premiums and any applicable premium surcharges as they become due. 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 bring it to address listed above or mail it to:
    Health Care Authority
    PEBB Program
    PO Box 34270
    Seattle, WA 98124-1270

We consider your premium and any applicable premium surcharges 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 debit service. Premium payment is not considered made if your check is returned due to insufficient funds or for any other reason.

When is my monthly payment due?

after you elect continuation coverage and make your first premium and applicable premium surcharge payment, premium and applicable premium surcharge payments are due on the 1st of the month in which PEBB insurance coverage is effective. 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.

If your monthly premium or applicable premium surcharge remains unpaid for 30 days, your premium payment will be delinquent and your account may be terminated depending on the amount owed.

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

Depending on your payment method, you may or may not receive an invoice for your continuation coverage premium and applicable premium surcharges as a reminder of your responsibility to pay on time. You must pay your monthly premiums and applicable premium surcharges on time, even if you do not receive an invoice.

What is the grace period for monthly premium payments?

Although monthly payments are due on the first day of each month of continuous coverage, you will be allowed a 30-day grace period from the date that your monthly premium or applicable premium surcharges become delinquent to pay the unpaid premium balance or premium surcharge.

If your monthly premium or applicable premium surcharges remain unpaid for 60 days from the original due date, your coverage will be terminated retroactive to the last day of the month for which the monthly premium and any applicable premium surcharges were paid in full.