What is Surency COBRA?

The Consolidated Omnibus Budget Reconciliation Act (COBRA) provides certain former employees, retirees, spouses, former spouses, and dependent children the right to temporary continuation of health coverage at group rates.

COBRA administration can be a thankless, “necessary evil” that takes focus away from active employees. It is complicated, time consuming, and filled with legal and financial risks. It is a wise choice to outsource these tasks.

Surency COBRA is a boutique administrator providing specialized, “high touch” service to our clients. We welcome complex plans that require client-specific solutions.


Services Offered

Surency COBRA will provide “turnkey” COBRA administration. This includes the following services:

  • Dedicated account executive for all client service needs
  • Image and make available all inbound and outbound documents, payments, notes and emails
  • Provide and maintain toll-free customer service support
    • Record all plan participant’s phone calls
    • Field daily phone calls from Primary Qualified Beneficiaries (PQBs), health plans, etc.
    • Resolve PQB problems and answer questions in a timely manner, minimizing your involvement
  • Maintain strict HIPAA compliance in every process
  • Handle processing and mailing of the following types of notices directly from you (or any other designated source):
    • to terminated PQBs
    • new-hire notices (upon request)
    • to eligible dependents as required or appropriate
    • “Failure to Enroll” notices
    • enrollment confirmation, payment coupons, and remittance envelopes
    • late notices halfway through the grace period
    • termination notices when COBRA coverage ends
    • HIPAA coverage certificates when COBRA coverage ends
  • Monitor and track time limit for elections and initial payments 
  • Post and deposit all premium payments
  • Manage insufficient funds collection process
  • Provide eligibility reporting to health plan claim payers. Reporting may be electronic or hard copy on a weekly or monthly basis.
  • “Instant Updates” to claim payer eligibility system when requested by COBRA participant who has paid in a timely manner. Updates will be input via direct internet connection or requested by phone, fax or email.
  • Open Enrollment rate reset, processing and mailing as requested
  • Client web access to all activity and reports
  • Participant web access to payment history with online payment capability (convenience fee applied to online payments)

Interested in having Surency administer COBRA for your clients?

Fill out the form below to get started. A Surency team member will reach out to help you with your custom Surency COBRA solution.   

Sales Contact Form


Fill out the form and a Surency team member will reach out to help you as soon as possible.