FAQs
Quick answers to the most common questions about COBRA, state continuation laws, notice timelines, coverage rules, and participant responsibilities.
Yes, CobraHelp performs regular audits to ensure accuracy for everything from qualifying events to coverage terminations to rate renewals.
This is a notice that employers must issue to newly insured employees and spouses within 90 days of enrollment into group health benefits.
We don’t offer commissions. That said, our pricing is built to give your clients value without cutting corners—and it’s highly competitive. We focus on building lasting broker relationships that make you look good.
No—CobraHelp collects and then remits premiums to the employer. From there, the employer handles the carrier payments. This gives the employer full control while we manage the compliance piece.
Your client just needs to log into their portal, choose “Add New Initial Rights,” and follow the prompts. For bulk entries or file uploads, their Account Manager can walk them through the process.
Your client must send us a written request—via email, fax, or mail—asking to list you as the new Broker of Record. We’ll take care of the rest once we receive it.
Absolutely. If you’d prefer to handle the billing on behalf of your client, your Account Manager can set up broker billing. Just let us know and we’ll get it sorted.
The employer should send a written notice to their Account Manager at least 30 days before they want changes to take effect. Everything’s outlined in their service agreement, and we’ll help make it a smooth transition.
Yes—we offer several options including credit, debit, ACH, wire transfer, and checks. Choose whatever works best for your setup. If you’d like to set this up or switch methods, reach out to your Account Manager.
If your client had 20 or more employees on 50% or more of the business days last year, they likely need to comply with COBRA. It’s a good idea to check in with us if there’s any doubt—we’re happy to confirm for you.
Yes. We work with just about any HRIS or third-party vendor and we will work with any insurance carrier.
Certain employer groups are required to file 1094c and 1095c forms for their plan participants, including COBRA members in accordance wiht the Affordable Care Act (ACA)