Below is a general FAQ by topic for employees, retirees and continuation participants. Can't find what you're looking for? Try a search of our website here...
COBRA Continuation Frequently Asked Questions:
What is COBRA Continuation Coverage?
A: COBRA is a Federal law which protects the benefits rights of employees. COBRA allows for employees to continue their group health plan coverage when a qualifying event occurs, for a designated amount of time provided that certain criteria are met. In other words, COBRA is continuation of the benefits offered by your employer group health plan.
How do I enroll in COBRA Coverage?
You will receive a COBRA notice from CobraHelp which will allow you to elect continuation coverage. If you have not received a COBRA notice within 14 days of your qualifying event, please contact CobraHelp customer service at (866)-946-5181 or firstname.lastname@example.org.
Where do i send my election agreement and premium payment?
A: CobraHelp, 1620 High Street, Denver, CO 80218.
Who should i make my check payable to for coverage?
A: Make your check or money order payable to the Employer and mail to CobraHelp at 1620 High Street Denver, CO 80218. This applies to COBRA, Retiree Coverage, and Leave of Absence Coverage.
I have sent my election agreement to CobraHelp without payment. Why is my coverage not active?
A: To activate coverage, we must receive the first month’s premium in full. Reactivation with insurance carriers may take 7-14 business days. If you have waited over one week for your election agreement and initial premium to be processed, please contact our office immediately.
Can I access my account information online?
A: Yes, you may view dependents, coverage, and billing statements by logging into our website. Select “Participant Login” and enter your user ID and password. If this is your first time logging in, your temporary credentials are provided on your monthly billing statement. Once you login, create a unique password and use your personal e-mail address.
Can I make a credit card payment or electronic payment?
A: Credit cards and EFTs are not accepted. However, you may setup automatic bill pay through your banking institution. This will allow your monthly premium to be paid automatically via your bank. We also accept personal check, cashiers check, or money orders.
How do I get information on what my insurance plan covers?
A: You can find your benefit information in the summary plan description or benefits summary provided by your employer. If you no longer have these documents, you may contact your insurance carrier at the telephone number located on your insurance card. CobraHelp does not have access to your carrier's database or specific benefit and plan information.
Is cobrahelp my new insurance carrier?
A: No. CobraHelp is a third party administrator contracted by your employer. We handle your coverage billing and premium collection. Your insurance carrier is the same carrier at the time of your qualifying event, retirement, or onset of your leave of absence.
Will I receive a new insurance card once I elect COBRA Continuation Coverage?
A: Typically with continuation coverage, there is no change in coverage and therefore there is no need for new insurance cards. You may utilize the same insurance cards but feel free to verify with your insurance carrier directly if you will receive new cards from them.
My bill has “CR” next to the total amount due. What does this mean?
A: The letters “CR” next to the amount due indicate an over-payment has been made by you or your employer or an adjustment has been made to your account. No payment or further action on your part is due at this time. The over-payment will be applied to the next month’s COBRA premium and you will receive a billing statement reflecting the adjusted amount due for the next month.
Why is my premium slightly higher now that I’m being billed by CobraHelp?
A: As is standard with Federal COBRA, there is a 2% administrative fee in addition to the insurance premium. This fee is already included in your monthly premium so there is no need to manually calculate this and add it to your bill each month.
How much notice must I provide to CobraHelp in order to terminate my COBRA or other benefits voluntarily?
A: Your continuation coverage may be terminated voluntarily at any time; however, the coverage will be terminated at the end of the benefit period, for which premium has been paid. You must notify CobraHelp of your desire to terminate coverage within 30 days of the date that you want coverage to end. We are unable to retro-terminate beyond 30 days. Login to your CobraHelp account to notify a customer service representative of your need to cancel coverage.
I recently married and wish to add my spouse to my COBRA. How do I do this?
A: You may add your new spouse to your plan by notifying CobraHelp of the change by completing a change form and faxing, emailing, or mailing to us. Please contact us by phone or email to request the form. Note that changes cannot be processed over the phone. You must request that your spouse be added in writing. Our contact information is available on the Contact Us page. You must provide this written notice of intent to add your spouse within 30 days of the date of marriage in order for your spouse to be eligible for your coverage.
I have a newborn child or am pregnant. How do i add my newborn baby to my continuation coverage?
A: You may add a newborn child to your plan by notifying CobraHelp of the change by completing a change form and faxing, emailing, or mailing to us. You may contact us by phone or email to request the form.Note that changes requested over the phone cannot be processed. You must request the addition of your child to the plan in writing. Our contact information is available on the Contact Us page. You must provide this written notice of intent to add your newborn child within 30 days of the date of the date of birth in order for your child to be eligible for your coverage.
My dependent child is no longer eligible to stay on my insurance policy. What do we do now?
A: You'll need to notify CobraHelp of your dependent child's qualifying event within 60 days of your dependent turning age 26. You can then remove the dependent from your plan, allowing us to offer COBRA continuation coverage. Changes are never processed over the phone so you must request this in writing. Please contact us by phone or email to request the appropriate form. You must notify CobraHelp of the event within 60 days of the date that your dependent is no longer eligible to be covered under your plan. By notifying us within 60 days, this will ensure that your dependent is eligible for COBRA continuation coverage due to the qualifying event.
When does my COBRA end?
A: COBRA beneficiaries are typically eligible for group coverage for 18, 29, or 36 months depending on your qualifying event type. For termination of employment or reduced working hours events, the maximum time on COBRA is generally 18 months. For other event types, the maximum is 36 months. If a qualified beneficiary is disabled and meets certain requirements, then the qualified beneficiaries would be entitled to an additional 11 month extension (for a total maximum period of 29 months of continuation coverage). Certain states such as NY, CT, and TX have their own specific COBRA extension rules.Your COBRA Notice of Right To Elect outlines how long you are eligible for COBRA.
How do I verify if my payment has been received/posted?
A: You may view your account information on-line by logging into our secure web portal. You can then see your billing history, print your payment records, and view your account details. Typically payments post within 24-48 hours of receipt.
Why didn’t I receive a bill?
A: Bills are typically mailed the middle of each month. Please verify that CobraHelp has your current mailing address on record. You may also view your account information on-line at www.mycobrahelp.com. Select Login and enter your user ID and password.
Why has my payment been posted but has not cleared the bank yet?
A: Payments are typically posted within one business day of the date received, however, banking procedures may take up to two weeks for a check to clear your bank.Please feel free to call us if you are concerned about a specific payment.
I need assistance with filling out my election paperwork.
A: You may call Customer Service at 866-946-5181 and a representative will be happy to assist you with completing your forms.
Why has my premium gone up?
A: Your insurance carrier may have increased the rates during the employer’s annual group health renewal. There could also be other circumstances causing a rate change such as a change in tier of coverage or a change of plans. If you believe that your premium is incorrect, please contact our office at 866.946.5181.
I am enrolled and paid my premium, so why is my insurance being denied at my doctor’s office?
A: Sometimes it does take time for the carrier's enrollment department to catch up with the provider. If your doctor’s office contacted your insurance company and was informed that your insurance was not active, please contact us at 866-946-5181 for assistance. Some common reasons for this are: not enough time has elapsed for the reinstatement process, premium has not been received by CobraHelp, or the provider may not have your current insurance information.
Why did I receive a termination notice?
A: CobraHelp has either not received your premium or your COBRA continuation coverage has been exhausted. If you believe this has occurred in error, you may contact Customer Service at 866-946-5181 for assistance.
Can you tell me about the conversion option?
A: Some plans may allow participants and beneficiaries to convert group health coverage to an individual policy. You may contact your insurance carrier for more information regarding conversion. If you received a notice from CobraHelp pertaining to conversion options, please call your insurance carrier using the phone number on your insurance cards and inquire if you are eligible for conversion after COBRA.
I would like to change my level of coverage (family to single, employee plus spouse to single, etc). Can I do this?
A: Yes, you may lower your level of coverage at any time. However, you cannot increase your level of coverage except for once in a twelve month period during the group health plan annual open enrollment (at which time you will be notified). To decrease your coverage level, complete a change form or contact our office to request this form.
How to i login to my account online?
A: Your monthly billing statement and COBRA Notice of Right to Elect have instructions for logging in for the first time. Simply visit www.mycobrahelp.net and enter your temporary credentials. If you forgot your password, click "reset password". If you need to set up your login, enter your email address and select a unique password after entering your temporary credentials. For further assistance, please contact 866.946.5181 or email@example.com.
Retiree and Leave of Absence Coverage Frequently Asked Questions:
When will i receive a bill for my retiree or leave of absence coverage?
CobraHelp issues monthly billing statements or quarterly coupon billing. You should receive your monthly bills mid-month each month. If your employer has contracted Cobra Help for coupon billing, your coupons will be issued thirty days prior to the onset of the next quarter. If you do not receive your bills or payment coupons, you may access your billing statements at any time via our secure website. Login at www.mycobrahelp.net.
How do i setup my online access for retiree billing or loa billing?
Your initial bill from CobraHelp has instructions for accessing your account with temporary credentials. Once you login for the first time using these credentials, you'll be prompted to create a username and unique password. If you forgot your password, simply click "reset password" on the login screen. If you need help, contact us. Please note that sometimes FireFox has problems loading our login page. Instead, please try Internet Explorer or Chrome.
How do i change my retiree coverage?
If you need to remove a plan or dependent, or enroll in a new plan during open enrollment, simply let us know by e-mailing our customer service department. (Coverage changes cannot be processed over the phone). Your request must be submitted in writing. You may do this by logging into your account via our website or by sending a message to firstname.lastname@example.org.
If i am on retiree coverage, can i also have medicare?
Most likely. Medicare can answer all of your Medicare related questions. However, it is quite common for retiree benefits to be elected in conjunction with Medicare. Medicare and your insurance carrier will be able to help you determine which is primary and which is secondary coverage. CobraHelp is not an insurance carrier.
I received my bill, but my premium seems to be incorrect.
When are my premiums due?
Your retiree premiums or leave of absence premiums are due the 1st of the month, every month. They must be postmarked in time to arrive to CobraHelp timely. Late premiums may result in the termination of your coverage.
How do i know when my retiree plan options are going to change?
Each year during group health renewal, your employer will go through annual open enrollment. At this time, you'll be notified of plan, carrier, and rate changes. You'll also receive benefit summaries, allowing you to choose the right coverage for yourself and your family. If you do not know when your employer's health plans renew, contact us.
How do i terminate my benefits?
If you wish to cancel coverage at any time, simply send us a notice of cancellation within 30 days of the date you wish to close your account. This must be provided in writing as we cannot process coverage cancellations over the phone.
What plans will i be able to have as a retiree?
You are eligible for any retirement benefit offered by your employer. This can be determined through working with your employer's benefits department directly. Typically retiree health benefits include medical, dental, vision, and life insurance options including HRAs (Health Reimbursement Account) or HSAs (Health Savings Accounts).
I am on leave but may not return to work. What happens with my coverage?
If you are on FMLA or leave of absence coverage and decide you won't be returning to work, you may become eligible for COBRA continuation coverage as of the date of your COBRA qualifying event. If your coverage premiums under leave of absence are unpaid, we recommend that you bring your account current so that your benefits are paid to date if you become eligible for COBRA.
Can I be on retiree coverage and COBRA?
No. If you selected retiree benefits at the time of your retirement, then you automatically opted out of COBRA continuation. COBRA is meant to bridge the gap between benefits, so if you didn't lose benefits (by electing retiree coverage), then you would not be able to continue both COBRA and retiree benefits simultaneously.
Colorado Continuation Frequently Asked Questions:
How do i know if i am eligible for colorado continuation benefits?
If your employer must comply with Colorado State Continuation rules, and you have experienced a qualifying event, you may be entitled to continue your coverage. Such qualifying events include termination of employment, death of the covered employee, and divorce. Any of these three events causing the loss of the employee's or dependent's insurance coverage will result in the option to continue coverage through the employer group health plan.
What benefits can i continue under colorado continuation?
If you are eligible for continuation coverage, you may continue any health plan that you were enrolled in at the time of the qualifying event. Such benefits may include medical, dental, and vision plans.
How do i elect coverage?
You should receive an Election Notice with detailed instructions and a continuation coverage election form. Complete the election form and return it to CobraHelp within 30 days of the notification. If you do not elect within 30 days, you automatically forfeit your right to continuation coverage.
How long can i have continuation benefits for?
Colorado State Law allows for continuation benefits to be offered for a maximum of 18 months. Conversion options (converting to a new plan) or the health insurance marketplace options (healthcare.gov and Connect for Health Colorado) may be alternative coverage options available to you once your Colorado Continuation Coverage comes to an end.
What alternative coverage options are available once my coverage ends?
Conversion options (converting to a new plan) or the health insurance marketplace options (healthcare.gov and Connect for Health Colorado) may be alternative coverage options available to you once your Colorado Continuation Coverage comes to an end.
when are my premiums due?
Your coverage premiums for Colorado continuation coverage are due five days prior to the first of the month every month. These premiums must be paid timely to avoid an interuption in coverage.
when will i receive my bill?
Cobra Help issues monthly billing statements for the following month of coverage around the 15th of each month. You may also access your billing and payment history online at any time by logging into your Cobra Help account online.
How do i setup my cobra help account online?
You can log in using the temporary credentials provided on your first bill from us. Once you log in for the first time, you'll be asked to create a unique password and provide your personal email address. These will be your permanent login credentials. If you forget your password, simply click "reset password" from the login page. If you are still having trouble loggin in, call us.
how do i terminate my colorado continuation coverage?
Simply provide written notice of your request to cancel coverage within 30 days of the date you are requesting cancellation. Cobra Help cannot retro-terminate coverage beyond 30 days. In addition, coverage terminations cannot be processed if your final premium payment is not yet paid. Please pay for your coverage through the requested cancellation date prior to requesting cancellation. Send coverage cancellation requests to: email@example.com.