Conversion to an Individual Medical Policy
You may be eligible to convert (change) your group medical plan coverage to an individual insurance policy, at your own expense. This is called the conversion privilege. The cost and benefits provided under the converted medical policy, however, are different than those provided by your Pacific Gas and Electric Company-sponsored medical plan.
Ordinarily, you have 31 days from the date on which your Pacific Gas and Electric Company-sponsored medical coverage ends to apply for a converted policy and pay the first premium. However, if you opt to continue your medical coverage under COBRA as explained under Coverage Through COBRA, you may convert to an individual policy within 31 days of the end of the maximum 18-, 29- or 36-month COBRA period.
The conversion privilege may also be available to your covered Eligible Dependents in the following instances when:
  • your dependent child no longer qualifies as an Eligible Dependent under the Company-sponsored plans;
  • you and your spouse become divorced or legally separated;
  • you and your registered domestic partner no longer meet the registered domestic partnership criteria or end your registered domestic partnership; or
  • your death occurs and your surviving spouse/registered domestic partner and/or dependent child(ren) were covered before your death, and they do not continue medical plan coverage through the Pacific Gas and Electric Company's Survivor Medical Benefits nor do they elect to continue their group coverage under COBRA, as explained under Coverage Through COBRA.
Please note that Anthem HAP members are not eligible for a converted medical insurance policy if PG&E-sponsored coverage ended due to non-payment of monthly contributions.
Just as with continuing your coverage through COBRA, you do not have to show that you are insurable to exercise the conversion privilege. It is important to note, however, that the individual policy offered by your medical plan carrier through the conversion privilege may provide different benefit coverage than that which you had under the Company-sponsored medical plan or that which you would be able to continue through COBRA, if eligible. The cost of a converted medical policy may also be considerably higher than that which you would pay to continue the Company-sponsored coverage through COBRA. Thus, you may also want to consider other alternatives which may be available to you.
Please check with Anthem Blue Cross or KPIC, as appropriate, to learn more about conversion rights, benefits coverage and cost. You also have the option to contact an independent insurance broker or the provider to obtain individual medical coverage.
The dental, vision, and prescription drug plans, the Mental Health and Substance Abuse Program, the Health Care Flexible Spending Account, and the Employee Assistance Program do not offer conversion to individual policies.