Federal and state regulations let health plan participants continue their employer sponsored health coverage after their employment ends, as defined by federal COBRA regulations. COBRASecure frees an employer’s staff from having to meet COBRA deadlines, from maintaining document archives and from monitoring ongoing COBRA compliance changes. COBRASecure minimizes this potential liability for employers, reduces business overhead and helps to streamline HR administration.

From working with the employer's carriers to maintaining a complete document archive, COBRASecure keeps employers compliant. COBRASecure provides initial notices, election notices, loss of coverage notices, extension notices, reinstatement notices, as well as qualifying notices. Premium coupons and distributions including a Direct Payment auto-debit feature adds convenience for paying premiums. We also provide guidance on COBRASecure State Continuation for Connecticut, Minnesota New York, Texas and Wisconsin. By combining the provisions of COBRA and that state's continuation regulation, we ensure the best outcome for the Qualified Beneficiary.

Managing COBRA has never been easier. With a feature-rich interface and built-in online help, COBRASecure Online offers employers convenient online access to account information, reports, carrier rates and payment histories and is an important component of our COBRA administration. Employers can easily manage their account, update employee information, view letters, and run remittance summaries and subsidy schedules quickly and easily.

We work with our COBRASecure clients' insurance carriers when individuals elect continuation coverage and make their initial premium payment. We also provide enrollment and termination information to the insurance company to ensure that each COBRA participant's coverage is reinstated or terminated as needed.

Yes, there are options. Employers can choose to ensure COBRASecure fully meets their needs. Blanket Initial Notice mailings to each employee, their spouse and dependents and Premium Billing services for inactive employees are services available to employers needing them for an optional fee.

Comprehensive and convenient, The COBRASecure Answer Book is a single source of COBRASecure and COBRASecure State Continuation information. Our in-house Compliance team scrutinizes IRS regulations and guidance to ensure our clients’ remain compliant and free from penalty. Monthly webinars are moderated by team members and their Compliance Buzz blog, our online source of breaking IRS and Legislative news provide education, information and support.

A dedicated Client Service Consultant is assigned to each of our COBRASecure clients with a direct phone number and email address for quick contact. Our Participant Services Representatives are trained to help participants understand how COBRASecure works from the continuants perspective and helps continuants make COBRASecure work for them.