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BMO U.S. Benefits


Employees and their qualified family members who lose BMO health benefits may have the right to continue coverage at their own cost for a limited time.

Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that gives you and your dependents the right to continue health care coverage (medical, dental, vision, HCFSA and LPFSA) through BMO at your own cost for up to three years. It applies after certain events that would otherwise cause you to lose health care coverage.

You and other qualified beneficiaries (domestic partners are not considered “qualified beneficiaries” under COBRA) have 60 days from the date you are notified of your COBRA rights to make an election to continue coverage through COBRA. If a COBRA election is not made during this 60-day period, COBRA continuation coverage will not be available. You do not have to provide evidence of insurability.

Coverage may be continued for up to 18 months if eligibility ends because of your termination of employment or reduced working hours. In other cases, coverage may be continued for up to 36 months.

COBRA Premiums

If you elect to continue your coverage under COBRA, you pay the full cost plus a 2% administration fee.

2020 Monthly Medical COBRA Premiums
Coverage Level
Consumer Choice Plan*
Aetna International Medical Plan
(Expat Only)
Employee Only$583.90$896.43
Employee + Spouse$1,342.97
Employee + Child(ren)$1,109.40$1,881.29
Employee + Family$1,693.31$3,193.21

*The Consumer Choice Plan is administered by Blue Cross Blue Shield in Illinois, and UnitedHealthcare in all other states.

2020 Monthly Dental COBRA Premiums
Coverage Level
Delta Dental*
Aetna International Medical Plan
(Expat Only)
Employee Only$39.82$56.62
Employee + Spouse$87.61
Employee + Child(ren)$91.60$110.41
Employee + Family$119.47$173.24

*Enrollment in the Aetna International Dental Plan is a combined enrollment with the Aetna International Medical Plan.

2020 Monthly Vision COBRA Premiums
Coverage LevelVSP
Employee Only$7.57
Employee + Spouse$15.10
Employee + Child(ren)$16.14
Employee + Family$25.81

Need assistance?

If you need help, log into the PayFlex website or call PayFlex Systems USA Inc. at 1-888-678-7835 (Monday through Friday from 8 a.m. to 5 p.m. CT).

BMO's employer ID is #139888.


Get the app

Download the PayFlex mobile app to make COBRA payments and view account information, including important dates.