When Will I Get My COBRA Election Notice?
Someone told me that if I quit my job and my employer doesn’t give me a notice saying I can receive COBRA then they would have to pay for medical expenses that I have acquired since then. Is this true?
Employer Has 45 Days To Offer You COBRA
The employer who provides group health insurance has up to 45 days from the last day of coverage to send you a COBRA election notice to enroll back into the same plan. This enrollment notice may come directly from the employer or a third-party administrator they may use to manage health insurance continuation.
COBRA Election Notice Instructions
In general, the COBRA election notice informs you on who will now manage your coverage, how to enroll, the premium costs, where to pay and how long the plan is available to you.
The process for obtaining COBRA may be done by hand directly through an employer or online account set up by a third-party administrator.
What If I Don’t Receive My COBRA Enrollment Notice?
If you haven’t received your election notice, your first step should be to contact the employer that the health insurance is through to obtain your COBRA enrollment forms.
Employer Penalties
If the employer does not comply with COBRA you can call the Department of Labor at 1-866-487-2365. The DOL may impose fines on companies who do not provide continuation of health insurance per the COBRA law.
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We are a private insurance company that provides information on the COBRA law and alternative temporary insurance options if continuation is unavailable or too expensive.
Except When Employer Has Fewer Than 19 Workers
A business that employs 19 or fewer workers does not have to comply with the federal COBRA law. Some states have laws that require these small businesses to offer health insurance continuation. The deadline to provide notice to continue the work health plan is handled differently per state.
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COBRA Third-Party Administrators
Your COBRA plan may be managed by a third-party administrator. Many employers work with the following:
- ADP COBRA
- BASIC COBRA
- BAS' COBRA Control Services
- BenefitConnect EHR
- BenefitSolver COBRA
- Burnham & Flower
- BRI COBRA (Benefits Resource)
- bswift COBRA
- COBRAPoint Benaissance
- Employee Benefits Corp (EBC)
- Lifetime Benefit Solutions
- Navia Benefit Solutions
- Optum Financial
- Paychex
- Payflex
- Paycom COBRA
- PlanSource
- Total Administrative Service Corporation (TASC)
- WageWorks / Conexis
- WEX (formerly Discovery Benefits)
If you are unsure who your plan administrator is, reach out to the human resources department of the company that provided the health insurance you had.
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Temporary health insurance is a popular, affordable solution to cover gaps in coverage while you are between Major Medical plans.
*Eligibility for short term medical insurance is based on age and state availability.
