COBRA Processing Services

Did you know that many employers are Not COBRA Compliant? Don't get caught up in the struggle to keep up with all of the changes.

Outsourcing your COBRA will:

Help you with compliance
Streamline Administration

Please contact our COBRA Specialists for more information. 

Sonja Kerr skerr@bdgflex.com and Heather Smith hsmith@bdgflex.com

Benefits Design Group Inc., “COBRA Processing Services” is Your “Link” to COBRA Compliance...

Benefits Design Group, Inc. is committed to providing excellent benefit resources to both employers and employees. It can be an overwhelming and a costly function keeping up with the ever changing Federal and State laws and regulations. Many employers are faced with the challenges on how to manage and remain compliant with COBRA continuation notification and monitoring.

Benefits Design Group, Inc. “COBRA Processing Services” can make your COBRA management a breeze by utilizing our vast knowledge and experience with the tax laws and the design of benefit plan designs that keep employers compliant and manage the Federal and State COBRA laws. We strive to remain a recognized leader in the design, the installation and the administration of employee benefit plans; to provide exceptional customer service; and to continually exceed customer’s expectations.

We offer a full range of COBRA management services that encompass all stages of the COBRA election and continuation period. Our self service portal allows you and Qualified Beneficiaries to log into our secure Web Site to view the status of COBRA information. Benefits Design Group, Inc. maintains your information confidentially using the highest security protocol.

Notification And Monitoring

• Track all stages of the COBRA period including generating COBRA notification letters and enrollment forms (calculating the premium due) for each covered Qualified Beneficiary.
• Generate and mail "Certificates of Coverage" as required by HIPAA as requested.
• Generate a waiver of coverage letter to give your qualified beneficiaries a chance to say "no" to COBRA coverage as part of the COBRA Election Notice.
• Send premium rate change letters to all plan participants telling them about any new rates.and provide them with new premium coupons.
• Generate a periodic eligibility conformation letter to make sure enrolled Qualified Beneficiaries are still eligible.
• Generate letters notifying Qualified Beneficiaries that their COBRA term is nearing an end, and send another letter after the expiration of their 18, 29, or 36 month COBRA period confirming that they are no longer covered.
• Remind a Qualified Beneficiary who turns 65 years old of Medicare eligibility.
• Notify insurance carriers when Qualified Beneficiaries enroll or terminate from a Plan.
• Generate a letter confirming address changes.
• Send late payment notices to Qualified Beneficiaries.
• Notify employers when Qualified Beneficiary enroll or terminate from a Plan.

We Track Information For You

• Track Qualified Beneficiary’s enrollment period and first payment period. A termination letter is generated for premium payments not received within the allotted timeframe.
• Track information separately for departments, divisions or branch offices within your company. This allows you the flexibility to manage your data separately or overall.
• Allow each family member the right to say “yes” or “no” to each benefit plan, and automatically adjust payment premiums due accordingly.
• Allow ease of tracking of secondary Qualifying Events for spouses and dependents.
• Notify as requested Qualified Beneficiaries when premiums are not received within the allotted time.

Reporting Functionality

• Reports are provided for tracking your COBRA activity.
• Employer Reports to track premium payments.
• Qualified Beneficiary reports to track status.
• Specialized reports available by request.

COBRA Processing Services

• Take over and manage current COBRA participants.
• Prorate premiums for COBRA, where applicable.
• Bill premiums via monthly premium coupons.
• Send and process required notices and forms.
• Notify individuals eligible to elect COBRA coverage.
• Monitor when Qualified Beneficiaries need notices.
• Coordinate State Continuation with Federal COBRA.
• Provide initial COBRA notices to employees as requested.
• Monitor and maintain timelines as mandated.
• Receive, process and forward premiums to the employer.
• Produce and mail HIPAA Certification notices, if requested.
• Notify carrier and employers of COBRA cancellations.
• Bill subsidized premiums when applicable.

Please contact our COBRA Specialists Sonja Kerr or Heather Smith for more information toll free at 1-800-342-8235 or 1-800-554-7213.

Customer Support is provided Monday – Thursday, from 7:30 a.m. to 4:30 p.m., on Friday from 7:30 a.m. until 1:00 p.m., CST.