We Are Missing Our COBRA Paperwork, How Can We Get Insured?
We lost our COBRA paperwork from my husbands ex-employer. Can we still contact COBRA to get insurance for my husband. What number would we have to call?
COBRA is not an insurance company. COBRA is a federal law that requires employers with 20 or more employees to offer workers who have left their jobs to continue on the same group health care coverage they had while working.
If you are missing your COBRA enrollment paperwork, there are several steps you can take to obtain a new copy. First, you should contact your former employer’s human resources department to request a new copy of the paperwork. They may be able to send it to you electronically or by mail.
If you are unable to obtain a new copy from your former employer, you can also contact the COBRA administrator for your health plan. They should have a record of your enrollment and may be able to provide you with a new copy of the paperwork.
Act quickly, as there is a 60-day window of time to enroll in COBRA coverage. If you miss the enrollment deadline, you may not be able to obtain coverage retroactively and could be responsible for any medical bills incurred during the gap in coverage.
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You Need To Enroll In 60 Days, Though
The way COBRA works, is the employer who sponsors the insurance has 45 days to send you a notification of your right to elect COBRA. Then, you have 60 days to enroll or waive your right.
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COBRA Eligibility
Need To Call COBRA Insurance
If you are looking for phone advice regarding COBRA insurance, you can contact a COBRA Insurance Advisor.
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
- Businessolver / BenefitSolver
- BRI COBRA (Benefits Resource)
- bswift COBRA
- COBRAPoint Benaissance
- Employee Benefits Corp (EBC)
- HRPro
- Inspira Financial (formerly Payflex)
- iSolved Benefit Services
- Lifetime Benefit Solutions
- Navia Benefit Solutions
- Optum Financial
- Paychex
- Paycom COBRA
- PlanSource
- ThrivePass
- 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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