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Reliable, Experienced and Stress Free COBRA Administration

Finding an experienced TPA that is passionate about providing exceptional service for COBRA administration can be a daunting task. HR Service, Inc is a third-party premier benefits administration provider. B3PA is the division that manages our benefits side of the company. We offer stress-free personalized administration solutions for brokers and partners clients of any business size or type.  COBRA is a maze of rules, required notices and procedures that are critical to avoiding a legal dispute. The consequences of non-compliance can be serious. B3PA provides a network of highly skilled individuals to implement and provide ongoing administration, based on proven standards and best practices, developed over more than 20 years of business.

Why Choose HR Service for your COBRA Administration?

Over 15 years Experience

Twenty years of experience - we, have been administering COBRA successfully since 1997.We offer the fastest implementation in the industry, full group implementation within one week. We can also provide same-day fulfillment, when needed.Fast and accurate mail fulfillment ensures high-quality and timely mailings.

Personal touch, high quality service, always!

With HR Service/B3PA, you will have an assigned specialist that has years of experience within the insurance industry. Carrier Terminations & Enrollments - Our experienced experts will work closely with your HR staff and COBRA participants for thoughtful and timely responses.

State-of-the-art Systems

COBRA participants have 24/7 online access to your account. Integrated with Employee Navigator.Value Added Services including WEX and WEX Apps & the B3PA Mobile App for when you are on the go.

COBRA Election Notice & SBC

Notices to Qualified Beneficiaries Mailing and Documentation Services Premium Collection, Notices, and Reports Open Enrollment Assistance

Competitively Priced

We offer free consultations so why not call or email us for a quote?

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COBRA FAQ

You must be suitable for continuation coverage under COBRA or state law that provides comparable continuation coverage (for example, so-called "mini-COBRA" laws) at any time during the period beginning September 1, 2008, and ending December 31, 2009. 

Continuation coverage must be extended when first offered or during the additional election period. A qualifying event for the continuation coverage is the employee's involuntary termination beginning September 1, 2008, and ending December 31, 2009.

Notice of COBRA election notice includes the following information:

  • A written explanation of the procedures for electing COBRA
  • The date by which the election must be made
  • How to notify the plan administrator of the election
  • The date COBRA coverage will begin,
  • The maximum period of continuation coverage
  • The monthly premium amount,
  • The due date for the monthly payments
  • Any applicable premium amount due for a retroactive period of coverage
  • The address to which to send premium payments
  • A qualified beneficiary's rights and obligations concerning extensions of COBRA coverage and the basis for early termination of the period of COBRA coverage.

Plans also must provide a Summary of Benefits and Coverage (SBC) that accurately describes the benefits and coverage under the applicable plan. The SBC is a uniform template that uses clear, plain language to summarize key features of the plan, such as covered benefits, cost-sharing provisions, and coverage limitations. Plans and issuers must provide the SBC to participants and beneficiaries at certain times (including with written application materials, at renewal, upon special enrollment, and request).

The applicant (person requesting a review of a denial of premium assistance) may either be the former employee or a member of the employee's family eligible for continuation coverage or the premium assistance through an employment-based health plan. Employee and their family members may each elect to continue health coverage under COBRA, request the premium assistance, and require a review of a denial of premium assistance.

  • Yes. This means that if you have COBRA coverage, you don't have to pay the fee that people without coverage must pay.

The type of qualifying event determines who the qualified beneficiaries are for that event and the period that a plan must offer continuation coverage. COBRA establishes only the minimum requirements for continuation coverage. A plan may always choose to provide more extended periods of continuation coverage.

The following are qualifying events for the spouse and dependent child of a covered employee if they cause the spouse or dependent child to lose coverage:

  • Termination of the covered employee's employment for any reason other than gross misconduct;
  • Reduction in the hours worked by the covered employee;
  • Covered employee becomes entitled to Medicare;
  • Divorce or legal separation of the spouse from the covered employee;
  • Death of the covered employee.
  • In addition to the above, the following is a qualifying event for a dependent child of a covered employee if it causes the child to lose coverage: Loss of dependent child status under the plan rules. Under the Patient Protection and Affordable Care Act, plans that offer coverage to children on their parents' plan must make the coverage available until the adult child reaches the age of 26.

The continuation coverage must be identical to the coverage currently available under the plan to similarly situated individuals who are not receiving continuation coverage. (Generally, this is the same coverage that the qualified beneficiary had immediately before the qualifying event.) A qualified beneficiary receiving continuation coverage must receive the same benefits, choices, and services that a similarly situated participant or beneficiary currently receives under the plan, such as the right during an open enrollment season to choose among available coverage options. The qualified beneficiary is also subject to the same plan rules and limits that apply to a similarly situated participant or beneficiaries, such as co-payment requirements, deductibles, and coverage limits. The plan's rules for filing benefit claims and appealing any claims denials also apply.

Any changes to the plan's terms that apply to situate active employees similarly and their families will also apply to qualified beneficiaries receiving COBRA continuation coverage. Suppose a child is born to or adopted by a covered employee during a period of continuation coverage. In that case, the child is automatically considered to be a qualified beneficiary receiving continuation coverage. The plan must allow the child to be added to the continuation coverage.

The Consolidated Omnibus Budget Reconciliation Act of 1985 created a Federal Law requiring most employers with more than 20 employees who offer group health care coverage to give their employees, spouse, and dependents option to continue their health care coverage when a loss in coverage occurs. COBRA coverage is the same coverage the employee had when they were actively working for the employer. However, the employee is responsible for 100 percent of the premiums, plus possibly a two percent administration fee.

COBRA provides former employees, retirees, spouses, former spouses, and dependent children the right to temporary health coverage at group rates. Many people do not understand the laws surrounding COBRA eligibility and their rights under the law. We are here to help. Because your employer has outsourced their administrator to us, we will be here every step of the way and minimize the hassle of understanding your COBRA rights. 

It is a Federal Program that gives an employee the ability to maintain group medical coverage if lost due to termination, disability, death of the covered employee, or another qualifying event.

The COBRA statutes apply to businesses with 20 or more employees that offer group health coverage. It does not matter if the former employer pays for the premium, in whole or in part, for its employees, only that the insurance is available. For COBRA, group medical coverage is defined loosely. It includes everything from Preferred Provider policies, HMO coverage, self-funded plans to any variation of an employer/employee arrangement for medical care. 

Several states have different statutes requiring businesses employing fewer than twenty people to comply with COBRA law. Determination of eligibility depends on the event that caused the loss of benefits.

Let us Provide you with a Quote Today!

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Call or email us for a free, no-obligation consultation toll-free: 385.237.5680 x 1 or  833.685.8400 x 1 | email: solutions@hrserviceinc.com

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