Health Insurance Carriers Providing COBRA Continuation

Health insurance carriers are responsible for continuing coverage under COBRA when an employee loses or leaves a job with group health benefits. They manage claims and access to care, and they provide member support to answer questions and explain coverage. If you continue your benefits through COBRA, your carrier’s Member Services team is your direct contact for help with benefits or finding in-network providers.

Billing and premium collection are handled by the COBRA administrator, not the health insurance carrier. The administrator is responsible for collecting your monthly payments.

When you are “on COBRA” you are paying for your most recent employer health insurance. The member benefits and services remain the same.

• Replace lost or stolen ID cards.
• Answer questions about benefits and coverage.
• Process claims and explain claim decisions.
• Assist with copay issues.
• Provide information about in-network doctors and hospitals.
• Offer support for prior authorizations and referrals.
• Help manage prescriptions and pharmacy benefits.
• Guide members through coverage changes or updates.