× BlogAboutNew Company OnboardingContactHelp

COBRA Administration

COBRA Notifications

All COBRA Notifications are sent via First Class Mail with proof of mailing

  • General COBRA Rights Notice sent to all New Plan Members (NPMs)
  • Specific Rights Notice sent to all Qualified Beneficiaries (QBs)
  • HIPAA Certificates of Creditable Coverage produced on request
  • COBRA Notice of early termination/expiration
  • Notice of disability extension
  • Conversion Notification

Open Enrollment

  • Telephonic outreach to all enrolled COBRA participants at Medicare and state open enrollment to provide custom plan consultation
  • Plan change notices
  • Open enrollment packets mailed 30 days prior to plan renewal. Packets include letter of explanation, plan changes, rate sheets, benefit guides and new plan applications
  • Processing of enrollment changes

Billing and Eligibility

  • COBRA election enrollment processed directly with insurance carriers
  • COBRA premium collection, processing with twice monthly remittance to employer
  • COBRA participant election email notification sent to employer contact


  • Live onboarding with employer via Skype meeting
  • Unlimited follow up training via Skype meeting for new HR and Administrative staff
  • Compliance and technical updates sent via email


  • Data entered through the RedQuote website
  • Large volume data submission available via .xlsx or .csv files
  • Custom file transfer formats available for large volume submitters

Regulatory and Compliance

  • Mini-COBRA administration for clients domiciled in Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma and Oregon
  • HIPAA compliant file storage
  • HIPAA business associate agreements maintained with carriers and specific vendors
  • Required DOL and IRS disclosure notifications
  • Document retention for 7 years
  • Employee access to all mission critical applications utilize multi-factor authentication for added security and HIPAA compliance


Multiple custom reports are available on request. Standard reports are available on request or via self-service through the employer portal

  • Pending election notifications
  • Generated letters history
  • Current beneficiaries
  • Proof of Mailing for General Rights and Specific Rights notice

Participant Services

  • Online election
  • Online payment
  • Support for beneficiaries with health care providers in providing proof of coverage
  • Confirmation of COBRA election mailed to beneficiary
  • Beneficiary payment coupons
  • Partial payment notices mailed to beneficiary
  • Late payment notices mailed to beneficiary
  • Web-based participant access for payment history
  • Telephonic support Monday through Friday 8:30 AM – 5:00 PM (Pacific Time)
  • Spanish support for participants

Participant Outreach

  • Telephonic outreach to all terminated employees to assist in their selection of COBRA versus individual plans
  • Licensed agent to assist with the purchase of an individual or Medical policy
  • Federal tax subsidy consultation
  • Letter of upcoming Medicare eligibility