Notification

A COBRA notification letter is automatically created and sent upon qualifying events. These include termination as an employee, termination of a dependent, dependents who have reached the full-time student cutoff age, and dependents who have reached non-student cutoff age.

Status

COBRA status is carried within a dependent member’s benefit line. This means that a subscriber unit can have both COBRA and non-COBRA members. Automatically bills the employer for all non-COBRA members.

Receivables/Eligibility

There is a COBRA receivables application integrated with the employee eligibility system. When the member pays for reenrollment under COBRA, Automatically reinstates the member with COBRA status under the same benefit plan they had when covered by an employer group. The eligibility period starts one day after the prior eligibility period’s termination date and ends at the end of the period covered by the payment. A final eligibility date beyond which coverage cannot extend is also applied.

History

A complete COBRA payment history is kept. When a COBRA payment is received, the eligibility period is automatically extended for the period covered by the payment up to the final termination date.

Billing

Billing information, such as billing name and address, can be kept for each member with COBRA status. If there is no separate billing address then the subscriber’s name and address is used. COBRA billing rates are taken directly from the employer group’s rate schedules for COBRA rates. They are updated automatically when the employer contract changes. When there is a rate change, a rate change notification letter is automatically sent to all COBRA participants.

When a COBRA billing is run, the current termination and final termination dates are checked. If the final termination date is last than one month in the future notice of final termination is sent. If the current termination date is passed, but less than one month in the past, the billing includes a warning of final termination. If the current termination date is more than one month in the future the member billing is bypassed. The bill includes the date of last payment, the amount paid and the benefit period currently covered.

A second billing is automatically generated when there is a partial payment and the member is flagged for manual review.