Standard COBRA Services

Sterling Health Services Administration offers a complete package of COBRA services for set-up and administration. We also offer optional services for an additional fee.

COBRA ADMINISTRATION TAKEOVER AND SET-UP SERVICES

• Work with former administrators to migrate QB information to Sterling, or provide a migration spreadsheet or individual forms to employers.
• Mail COBRA information to current qualified beneficiaries, including premium payment coupons.

QUALIFYING EVENT SERVICES

• Prepare and mail the election package and enrollment form to each new qualified beneficiary.
• Send separate election packages and enrollment forms to dependents, if necessary.
• Track COBRA election timelines and election payments.
• Issue HIPAA certificates to each qualified beneficiary.
• Provide participants with premium payment coupons upon election of COBRA.

ONGOING ADMINISTRATION SERVICES

• Receive and track all COBRA premiums in accordance with applicable grace periods.
• Notify qualified beneficiaries of partial payments, returned checks and non-sufficient funds ACH drafts and appropriate conversion opportunities.
• Mail Notice of Termination of COBRA continuation coverage to qualified beneficiaries upon voluntary or involuntary termination of COBRA.
• Issue a HIPAA Certificate to each qualified beneficiary upon termination of COBRA.
• Send the General COBRA Notice to new participants.
• Provide online account access to qualified beneficiaries, allowing them to check the status of their payments and due dates.
• Forward one check to the plan sponsor on a monthly basis representing all premiums received for the applicable month of coverage. Sterling will also offer electronic funds transfer (ACH) in lieu of checks, if preferred.
• Provide detailed monthly reports of all COBRA activity to the plan sponsor and online account access to view reports at any time.