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The CobraTrak System: CobraGuard Automated COBRA Administration
CobraGuard provides the most advanced COBRA administration solution available. Our COBRA management system, CobraTrak, is a web-based automated system, assuring that your COBRA compliance is consistent, accessible and affordable.
CobraTrak features include:
Tracking
CobraTrak maintains all employee information required for COBRA compliance in one convenient system:
- Employee benefits data
- Census information
- Dependents and life events
- Proof of mailing to establish your compliance with COBRA
Notifications
Based on the employee benefits and related information you provide, CobraGuard assures worry-free compliance with required notifications.
The CobraTrak system sends:
- Initial COBRA notifications to employees and dependents upon inception of coverage
- Qualifying event notifications and election forms to employees and dependents upon the occurrence of a COBRA-qualifying event
- Qualifying event verification to you and to your insurance carriers, avoiding unnecessary claims payment
- Women's Health and Cancer Rights Act notices annually to all participants
Automated Ongoing Administration
Your ongoing compliance with COBRA regulations is worry-free – CobraTrak makes it easy:- Automatically requests data from participants as required by law
- Automatically mails HIPAA Certificates of Creditable Coverage mailed to participants upon termination of coverage and upon termination of continuation coverage
- Provides full-service administration of COBRA continuees
- Processes elections and premium payments
- Monitors timely receipt of elections and premium payment
- Manages timelines and requirements for continued participation
 COBRA Compliance at Your Fingertips
Access to Your Employee and Account Information – CobraGuard's secure, web-based system allows authorized access to your information, anytime, anywhere
Maintenance and Installation-Free – CobraGuard is an outsourced solution, so there's no software to install or upgrade
Simplified Data Submission – Need to enter or update employee information? Data can be submitted electronically through the CobraGuard website
No Surprises through Monthly Reporting – CobraGuard informs you monthly of your COBRA participation status
Toll-Free Access to Support - You're always within easy contact with our knowledgeable customer service representatives
Risk Management - CobraGuard assures consistent adjudication of your employees' COBRA eligibility and participation. CobraGuard maintains your records in compliance with the law - so that you can focus on your business.
Below you will find various screenshots of the CobraTrak System.
This image below is the main page an employer would see when logging into their CobraTrak account.
Your COBRA participants receive their own simple web interface to manage their COBRA, pay electronically, elect, and make changes to their healthcare elections at the appropriate times.
Below you will see 1 of about 40 different notices sent to carriers, participants, and employees. This particiular notice below is a fax to a carrier informing them that
an employee has had a qualifying event. All notices from CobraTrak are generated automatically by our systems and delivered with automation by fax, US mail, and email.
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