As we continue to enhance COBRA management in the Employee Navigator system, we have composed a list of common questions with the responses below to help troubleshoot issues.
Q: How can a group set up a COBRA enrollment for a Dependent only?
A: At this time, Dependent only coverage is only supported if the employee termination was due to a Death of an Employee, or the dependent was dropped from coverage due to a life event (i.e Divorce). Otherwise, if the Employee was terminated and eligible to elect Cobra coverage, but only the dependent enrolls, you will have to add the Dependent as an Employee in the system and replicate the employees demographics. Then you will terminate the dependent "employee" based on the "real" EEs termination date.
You can find an outline of the process on our support titled: Dependent PQB
Q: Is there a way to extend the Paid Through Date past (18) months?
A: Employee Navigator defaults most COBRA plans to be available for 18 months. In the event that a COBRA participant is eligible for coverage longer than 18 months, this coverage can be extended on the participant record. To extend the coverage offer you must first enroll the participant. Once the participant is enrolled then you will see a "modify" link next to the plan name. Select the "modify" link and record the appropriate extended Eligible End date. Save this change. Once the eligible end date has been extended you may then extend the coverage paid through date beyond the original 18 month offer.
Our system is designed to otherwise prevent a paid through date to be extended beyond the offers eligible end date.
Q: Are COBRA terms processed through the “Manage COBRA” tool captured on any reports and/or wall notifications?
A. Currently, we do not have a wall trigger for COBRA participants. However, we do in fact have the COBRA Summary report and the COBRA Details report underneath the Reports tab
Q: I have terminated an Employee but I do not see any benefits in the Manage COBRA tool?
A: This is likely due to the fact that the end reason that was used did not trigger COBRA. Please refer to our COBRA Qualifying Events and Eligible Benefits article to review which End Reasons trigger COBRA.
If you have used a termination reason that did not trigger COBRA, you can use the Terminate Editor to "change" the end reason to one that will allow COBRA enrollment.
Q: This group just went through open enrollment and they have an employee on Cobra. How do I update his enrollment?
A: There are 2 ways to handle COBRA employees during Open Enrollment:
1. Open Enrollment Closeout: Click on the Open Enrollment> Ending Plans tab> select the box "include COBRA?"
2. Manage COBRA Dashboard: From the Dashboard> Select the Employee from the appropriate list (Enrolled or Candidate)> Select Modify> use the drop down to select the new plan. You will want to change the eligible Start and End date but keep the Prior Eligibility as employees original date of COBRA.
Q: Is there a way to manage cobra employees through the portal without having a vendor set up, just for a tracking mechanism?
A: Yes, all COBRA enrollments are managed via the COBRA Dashboard from the company's HOME Tab> Status section> Employees On COBRA. In order to manage employees COBRA enrollment, the employee will need to have been hired, enrolled in the qualified group health plans, and then terminated.
Q: If a company is connected to a COBRA vendor, when are employee terminations sent?
A: Employee terminations are sent when the Admin user enters their termination into Employee Navigator.
Q: Where do I find a list of the COBRA vendors EN works with?
A: All of our integrated partners can be seen in our Marketplace
Q: How do I exclude benefits/ plans from being sent to the TPA Vendor?
A. From the Company Home page> Data Feeds> select the exchange> Click on Exclude Plans/ Benefits
Q: How do I connect to a Vendor in the Data Exchange?
A. From the Company Home tab> Data Feed section> Select an exchange> Add an Exchange
*Please see our support article titled Broker Introduction for more information.
Q: How do I know if the Company is active with the TPA Vendor?
A. Check the *Status* of your company on the connected exchange. Partners control which companies are Active in the files
New= New request. Company data is not being transmitted.
Pending= Company data is not being transmitted.
Active= Company data is being transmitted on the multi-company vendor files
Q: If my group already has an EDI feed setup, can we also connect to a COBRA data exchange?
A: Yes, you can still connect to the COBRA data exchange if your client has active EDI files. You will want to speak with the vendor to identify the services offered to handle the COBRA reinstatement and termination with the carriers. IF the vendor is responsible for notifying the carriers of COBRA reinstatement and terminations then you will need to ensure that the EXCLUDE COBRA feature is activated on the EDI file.