The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire premium for coverage up to 102% of the cost to the plan.

Getting Started

  • Provide initial notice of COBRA rights to all current employees to update group compliance.

  • Provide new group health participants notice when enrolling on various health plans.

  • Allow for emailed COBRA activation requests for qualifying event.

  • Notify employees and spouses of the continuation rights within three business days of notice or qualified event. – National regulation is 14 days.

  • Process COBRA Elections and required notices.

  • Issue payment coupons to COBRA participants.

  • Notify participant of premium changes.

  • Send late payment notices to participants at employer’s request.

  • Ensure employer notification for COBRA coverage termination at the appropriate expiration date.

  • Monitor COBRA participants for individuals who reach age 65 and become ineligible for continuation.

  • Maintain complete documentation and document archive.

  • Provide customer service through telephone and email inquiries.

  • Provide monthly reminder emails for qualifying events.

  • Provide monthly reports of participant activity, benefits enrollment and terminations.

  • Notify affected carriers of COBRA participant enrollment.

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COBRA Administration Services and Fee Schedule

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New Group Application with Entry

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COBRA Notification Form

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General Inquiries

(800) 982-2012