FOR THIRD PARTY ADMINS (TPA) CONSULTANTS
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FOR EMPLOYERS 
& HR TEAMS
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FOR INSURANCE BROKERS
& AGENTS OF RECORD
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FOR PROFESSIONAL EMPLOYER GROUPS ​(PEOs)​
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COVID-19 DISASTER RELIEF:  
The Answer is YES! We have implemented the new ARPA compliance requirements, and are ready to assist you with the COBRA Premium Subsidy under the
​American Rescue Plan Act (ARPA) of 2021!

​Learn about the March 2021 DOL release impacting national employee benefits administration and COBRA here.

Hassle Free Human Resource & Benefits Compliance
Kick vendor fatigue to the curb with Cobra Help HR Services that integrate with any TPA or HRIS system.​

As the innovators of third party compliance administration for over 32 years, we deliver time-tested expertise. Navigating the future of benefits with Cobra Help means more than streamlined HR services. We'll guide you as regulations and technologies change, and as the demand for outsourced human resources increases.
CobraHelp is a COBRA Administration and Benefit Help Solutions company located in Denver, Colorado serving employers,
insurance brokers, and third party administrator consultants nation-wide ​since 1984.
​
​We welcome Broker & TPA participation, and partner with insurance agencies and employer groups of all sizes!

Proud Partners 

America's Leading Companies Choose Modern,
​Simplified Employee Benefits Solutions

- Excellent customer satisfaction rating: We build people and people build businesses.
​- Total compliance with COBRA (including coverage of FSA, HSA, and supplemental benefit options).
- Easy to Use Service With Client Web Portals: Simplify and Save.
- Coordination with virtually any TPA or HRIS system.
- Dedicated Point of Contact: No more telephone prompts.​
- Data Integrity: Every Qualifying Event, Initial Notice, Rate Renewal, and Update is audited for accuracy.
- Timeliness & Responsibility: No more employee notices slipping through the cracks.

COBRA Administration & Beyond

​CobraHelp is your trusted outsourced COBRA help partner that offers unique COBRA administration and outsourced HR services. We pride ourselves on providing positive, professional and expert serviceability for our customers – by which we ensure our team provides a personal touch that assists to our clients’ business success, as well as their enrollees, in understanding COBRA coverage.  We are a national administrator that serves all 50 states. 
​Our packages are designed to perfectly align with your 
business objectives, while also ensuring first rate attention to you and your employees. We provide additional HR compliance services for our customers to create the right plan for their company
and enrollees. Our HR compliance administration team understands your needs and excels in meeting your expectations.
Additional HR Compliance & Benefit Help Solutions We Provide Are:
OPEN
ENROLLMENT
Whether you are a small business or have 3,000 employees, CobraHelp handles your company’s open enrollment so you can free up your valuable resources.
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COMPLIANCE WITH THE AFFORDABLE CARE ACT
As an outsourced compliance service, we provide our clients with guidance, resources, and regular law updates to ensure your company's compliance with Federal laws.
Learn more
RETIREE & DIRECT BILLING
​​
Whether your retirees need help with their coverage options or you need retiree coverage billing solutions, our professional customer service team can help.
Learn more
COLORADO
STATE CONTINUATION
Is your company or firm doing business in Colorado? CobraHelp assists with communications, enrollment, premium billing and more to help you meet state continuation law requirements.
Learn more
FMLA (FAMILY MEDICAL LEAVE) 
& LEAVE OF ABSENCE BILLING
CobraHelp does all the leg work so our clients do not have to. In turn, they are assured that they are in good hands with efficient, expert leave management solutions. Streamline the employee medical leave process and save.
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TECHNOLOGY DRIVEN 
HR SOLUTIONS
Technology meets unparalleled customer service allowing you to streamline processes without sacrificing quality. We've strategized HR compliance so you don't have to by building relationships and leveraging HR tech.
Learn more
OPEN ENROLLMENT
Whether you are a small business or have 3,000 employees, CobraHelp handles your company’s open enrollment so you do not have to! Our ease of service ensures your business is meeting guidelines while freeing up your valuable resources.

COMPLIANCE WITH THE AFFORDABLE CARE ACT

​As an outsourced compliance service, we provide our clients with guidance, resources, and regular law updates to ensure that COBRA or other administration services remain informed and in compliance with Federal laws.

RETIREE & DIRECT BILLING

​Whether your retirees need help with their coverage options or retiree coverage billing, our professional customer service team can coordinate communications and billing for your retirees making the process simple and easy for both parties. Our post-employment billing has the options to be partnered with your COBRA Administration package, or ordered as a separate service.

COLORADO STATE CONTINUATION

​Is your company or firm doing business in Colorado? CobraHelp assists with communications, enrollment, collections and billing to make sure your company remains compliant with current Colorado State Continuation Laws and Regulations. Our goal is to make the implementation and execution of your state continuation easy and simple. We take pride in providing professional and appropriate HR solutions for our clients in Denver and across the United States. Contact us today for more partnership information.

FMLA (FAMILY MEDICAL LEAVE) AND LEAVE OF ABSENCE BILLING

​CobraHelp does all the leg work so our clients do not have to. In turn, they are assured that they are in good hands by having the best in class service working for them and their enrollees. Whether it is providing company enrollees with courteous customer service, billing, or tracking, we partner with our client’s directly to make sure their company is current and compliant with coverage billing and premium collections.

TECHNOLOGY DRIVEN HR SOLUTIONS

​Technology meets unparalleled customer service allowing you to streamline processes without sacrificing quality or value. We’ve strategized HR compliance so you don’t have to by creating premium outsourcing solutions and building relationships not just technology.
SMALL, MID-MARKET, and LARGE BUSINESS SOLUTIONS
We have you covered no matter the number of employees you and/or your company have. With our customized COBRA administration programs and tailored options for your unique business needs, paired with our one of a kind system and team, CobraHelp provides best-in-class services.   
HIGHLY COMPETITIVE RATES
​
With unique pricing structures cut costs for Employers, Brokers, Third Party Administrators, and PEOs. No matter your business system, CobraHelp handles your COBRA needs for nominal fees that do
​not break the bank.
INCREASE PRODUCTIVITY AND REDUCE WORKLOAD
With a dedicated team that handles your business’ benefit help solutions, COBRA administration, state continuation coverage requirements, retiree billing, annual open enrollment, and more for your group health plan!
Your go-to source for ERISA, ACA, American Rescue Plan Act, 
​and COBRA law updates.
Laws are ever-changing and they virtually impact every employer health plan group and insurance agent – which is overwhelming and intimidating. CobraHelp takes these burdens away! We navigate through the complex rules and changes so we can provide you updates as well as answer any questions on insurance related topics.
Read Industry News

We promise
Reduced Risk ​
No software to maintain
Experts a phone call away ​
Gain time to focus on business
​Easy-to-use service,
Reduced workload, ​
Reduced claims increase your bottom line, ​
Dedicated Expert Representative, ​
Participant Customer Service, ​
No Setup Fees Ever​​

Why Choose Us ?

​No setup fees, no renewal fees, no contract 
term lock in EVER
​Services to accommodate all employers of all 
sizes in all 50 states
Highly competitive rates that wow
our customers
Premium outsourcing benefit solutions increase your productivity and reduce your workload
Education and Resources that are actually
EASY to understand
Technology driven HR solutions meets unparalleled customer experience
Beat the bundle with focused, accurate, community driven benefit solutions (without vendor fatigue)
Highly customizable service
Simplified processes, user-friendly tools
Friendly, expert service for your employees
and members during transition

Our Clients are Saying

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"Healthgrades has partnered with CobraHelp for several years now. They are always there for us, whether it is updating our benefits on the site or for questions we have. Our HR team has one less administrative duty taken care of. Notices are sent in a very timely manner. We are happy to have a partnership with them. "

CAROLINE PETTY​
Director of ​HR

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"Thank you for your very helpful efforts on my behalf."

Helen Evers 
Participant

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BaambooStudio

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CobraHelp has made our employees' transition process much smoother. They receive required information in a timely manner, and can make informed decisions as needed. Their customer representatives are friendly, professional, and most important--responsive! MYMIC LLC is very pleased to be working with the CobraHelp team!"

Joelle Edgeman

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"As a mid-sized organization, we rely heavily on the COBRA Administration services offered by CobraHelp. The online employer feature allows us to easily submit for Initial Rights Notices and New Qualifying Events, with immediate confirmation that our request has been received and notices are in process. We have been using CobraHelp for several years now and are very pleased with the high level of service, support, and fast responses from our assigned Account Manager. I would highly recommend CobraHelp to any organization seeking assistance and looking for peace of mind for their COBRA administration--at a reasonable cost!"

Kim Bresaw,
HR Manager

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"It is always a pleasure to call CobraHelp and speak with you and your staff. Everyone is so helpful and courteous...any questions I have had were always answered so promptly and professionally. Your customer service is so refreshing in this day and age of computers and recorded voices. Thank you again for your assistance."

Elsie Petty

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"CobraHelp has provided an invaluable service to my Company. COBRA law and regulations are ever changing, and they help us to navigate these changes. They provide excellent service to our termed employees and are always available to provide assistance when questions or problems arise."-

Paul May
​BR Guest, Inc.

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"...Your company is one of the finest in the nation."

Dr. Robert Joseph 
​ Member

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"With their terrific knowledge of COBRA-compliance requirements, CobraHelp has been a great resource for MBL Benefits Consulting and our Client Employer groups. CobraHelp's user-friendly website and their thorough knowledge of COBRA gives us comfort that we are dealing with a highly effective COBRA expert."

Howard Metzger, Presi​dent MBL Benefits

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"CobraHelp has been my trusted COBRA partner since 2007. They consistently provide my clients with professional, prompt, and most importantly, accurate COBRA administration services. Their service reduces my clients ever growing administrative burden, and perhaps more importantly, reduces the significant liability associated with the improper administration of COBRA. CobraHelp also provides me with the knowledge and resources to provide COBRA education to my Clients. If anyone thinks that the PPACA is going to make COBRA obsolete, I'd encourage them to dig deeper and reconsider that notion. CobraHelp has strengthened my relationship with my clients and is a vital part of the service we provide."

Neil Merril, President
​The Guard Group, Inc.

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"We at Cherry Creek Benefits are committed to providing our clients with top-tier resources. When it comes to COBRA Compliance, CobraHelp is the vendor we turn to. Their ever expanding services, attentive and thorough account managers, simply online access, and affordable pricing make it easy to refer them to our clients. They not only accommodate the needs of our clients, but also the needs of our firm. The value add that CobraHelp brings to the table is substantial and we look forward to continuing our ongoing relationship with them."

Cari Delatte
​Partner – CCB

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"I've tried many COBRA service vendors over the years and CobraHelp stands out above them all. Our firm works directly with CobraHelp on behalf of our clients so we experience their service first-hand. Their responsiveness, accuracy, and competitive pricing make them our only choice for outsourcing COBRA administration."

Dennis Carlson
​President/CEO - Bespoke Benefits

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Working with COBRAHelp has been seamless! I have connected with representatives a few times regarding questions that I have had, and I always received the answers that I needed very quickly. In addition, transactions such as the processing of qualifying events is very easy to do on their website – which is very user friendly.​

Rebecca Cushing
HR Generalist

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“I recently had CobraHelp help me with a State Continuation issue and set up for a group that had a difficult situation.  CobraHelp made it so easy, and it was a huge relief for the group.  I must like working with them a lot because it has been made known that they are the only ones allowed to work on our book. My clients are happy and that makes me happy.” 

Christa Clarkin, PFS Insurance

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A few of our loyal, satisfied customers:

  • “Partnering with CobraHelp means your vested interest in the welfare of your business becomes a shared interest with our team. Your company becomes part of our HR community. We work with you, through the complexities of compliance duties, leveraging HR technology, while ensuring that we don’t lose sight of the importance of relationships. You won’t receive “one size fits all” service from CobraHelp, because simply put—we do things differently. We’re here to help your company and your employees thrive.”
    JAY CARRILLO
    ​CHAIRMAN
  • “CobraHelp’s exceptional reputation amongst TPAs and Insurance Agencies on a national level is a result of our company values instilled in each and every team member. Our company is relationship driven, and community focused. Keeping the aforementioned top priorities no matter what is happening within our industry allows us to deliver service excellence to our valued clients.”
    HEATHER UNDERWOOD
    ​BUSINESS DEVELOPMENT
  • “We routinely review Customer feedback on a very detailed level because CobraHelp is driven by relationships and by valuing the voice of our Customer. This means that we implement new service features or tools on a regular basis, ensuring that customer need is met. We understand that companies come in all shapes and sizes, so developing ways to accommodate even the most meticulous and fastidious Clients is important to us.” ​
    KEITH GOUDY
    ​QUALITY & TECHNOLOGY
  • “With over 30 years in the business we have the experience and expertise that goes unmatched. Over the past three decades we’ve seen it all - changes in technology, legislation and policies, and the HR & benefits industry – and we’ve consistently stayed ahead of the curve, so our clients don’t have to. Not only that but every CobraHelp employee, be it an accountant or a mail clerk, is required to pass COBRA certification training because when we say we are the COBRA experts, we mean it. With a dedicated and COBRA certified Account Manager assigned to every client, CobraHelp is just one simple email or phone call away.
    GRANT AMEEL
    FMLA & COBRA EXPERT TEAM MEMBER
  • ”CobraHelp has been there since the beginning. Our company began as an industry leader in 1986, among the first of three national TPAs administering COBRA on an Expert level, the same year the COBRA statute became law. We have developed methods that ensure compliance for all of our Customers. There is no situation related to COBRA we haven’t encountered and then resolved. The ultimate goal is to provide a comfort to our Customers that allows them to focus on their daily tasks without having to worry COBRA and we have achieved that goal for over 30 years.”
    JOHN DAVIS
    ​RELATIONSHIPS COORDINATOR TEAM MEMBER​

​Questions? 
Contact us today! 

​(800) 398-2946 
(303) 322-2043 

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