Meet DOL notice deadlines every time.
Initial and election notices delivered within required timelines.
Compliance + Regulatory
COBRA Administration That Runs Without HR Tracking Every Step
COBRA failures trace to a consistent pattern: late notices, lost elections, and billing that doesn't stop when coverage lapses — creating DOL exposure employers find at audit. BAS administers COBRA through CCS, its dedicated COBRA division, so notice delivery, election tracking, and billing run without HR intervention.
Notices delivered on time, every time — protecting you from DOL penalty exposure
Elections tracked without manual follow-up, so nothing falls through the cracks
Billing and compliance handled continuously, stopping exactly when coverage ends
WHAT BAS ADMINISTERS
COBRA Service Scope
- Notices Generation, mailing, and delivery confirmation
- Election Tracking Status updates within required timeframes
- Billing & Collection Invoicing, payment tracking, and reconciliation
- Compliance Monitoring Deadline tracking with audit-ready records
- Carrier Coordination Direct communication with insurance carriers
99.8% Notice compliance rate
24hr Average election processing
35+ Years administering COBRA
$0 Penalties for our clients
Why Outsource
The Difference BAS Makes
Managing COBRA in-house creates administrative risk. BAS structures the workflows — notice generation, election tracking, billing, and deadline monitoring — so your team isn't manually managing a process with narrow compliance windows.
Without BAS Manual COBRA Administration Risk, follow-up, and fragmented records
- Notice deadlines managed manually across spreadsheets
- Election windows missed without centralized tracking
- Premium billing gaps create retroactive coverage exposure
- Participant records fragmented across HR, payroll, and carriers
- No audit trail to defend compliance under pressure
With BAS Governed COBRA Administration Structured execution through CCS
- Every notice generated, mailed, and tracked automatically
- Elections captured and communicated to carriers within the window
- Invoices issued, payments tracked, grace periods enforced consistently
- Unified participant record maintained from election through termination
- Audit-ready documentation always current and accessible
MyEnroll360 In Action
Every Workflow Connected.
Every Workflow Connected.
No Gaps. No Reconciliation.
Notices, elections, billing, compliance, and carrier coordination run inside the same connected system as your enrollment and eligibility data. When a qualifying event triggers, every downstream workflow activates as a coordinated sequence, not a disconnected checklist.
- Qualifying events trigger notice delivery automatically, with no manual steps to initiate
- Election and billing data synchronized across the platform without manual re-entry
- Federal compliance deadlines enforced at the system level, not tracked in spreadsheets
What We Administer
Full-Scope COBRA Administration
Capture elections within the 60-day window.
Elections captured and communicated to carriers on time.
Keep premium payments tracked and grace periods enforced.
Invoices issued, payments tracked, and grace-period enforcement documented.
Keep qualifying events audit-ready at all times.
Qualifying events and deadlines maintained with audit-ready records.
Administrative Scope
What BAS Takes Over
Through Cobra Control Services (CCS), BAS manages the full operational scope of COBRA administration — from notice generation through termination processing — with documented execution and audit-ready records maintained through each workflow stage.
COBRA ADMINISTRATIVE SCOPE
From notice generation through termination processing
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Notice Administration
General Rights Notice (GRN) and Qualifying Event Notice (QEN) generation, mailing, and proof-of-delivery tracking with address documentation.
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Election Tracking
Election receipt, tracking, and status updates, processed within required timeframes against qualifying event timelines without manual follow-up.
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Enrollment & Termination Management
Enrollment processing following election, termination processing for non-payment or eligibility changes, and open enrollment package distribution for continuants.
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Compliance Monitoring
Compliance timeline tracking based on qualifying event triggers, with ongoing monitoring of required notice and election deadlines.
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Reporting & Documentation
Audit-ready reporting and documentation across all notices, elections, billing activity, payments, and participant records.
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General Rights Notice (GRN) Generation and Delivery
GRN generated and mailed to covered employees with tracked proof of delivery and address documentation retained for audit.
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Qualifying Event Notice (QEN) Processing and Mailing
QEN generated upon qualifying event and mailed within required timeframes with documented delivery records and address verification.
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Proof-of-Mailing Tracking and Address Documentation
Mailing records maintained with address documentation for all notices, retained for compliance review and accessible for audit.
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Election Receipt, Tracking, and Status Updates
Election responses received, recorded, and tracked against election windows. Participant status updated as responses are processed.
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Enrollment Processing Following Election
Coverage continuation processed and enrollment updated following election, without requiring employer or HR involvement after event is recorded.
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Termination Processing for Non-Payment or Eligibility Changes
Termination rules applied based on payment status and eligibility changes, processed within the same system as billing and enrollment.
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Open Enrollment Package Distribution for Continuants
Open enrollment materials distributed to COBRA continuants within required timeframes with tracked delivery and status confirmation.
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Compliance Timeline Tracking Based on Event Triggers
All compliance deadlines tracked from qualifying event trigger. Required notice and election windows monitored without manual calendaring or follow-up.
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Data Intake via Manual Entry, File Feeds, or API
Qualifying event and eligibility data accepted through manual entry, structured file feeds, or direct API connection based on existing system infrastructure.
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Takeover Support for Existing COBRA Populations
Existing COBRA populations onboarded with continuity of tracking and billing. Prior population data loaded without disruption to active continuants.
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Reporting and Audit-Ready Documentation
Full reporting across all COBRA activity — notices, elections, billing, payments, and terminations — maintained and accessible for compliance review.
How It Works
From Qualifying Event to Compliance — Four Controlled Steps
Each step in the COBRA lifecycle is handled through a defined workflow: trigger, action, and documented outcome.
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Qualifying Event or New Eligibility Identified
Notice generated and mailed with documented delivery. Required timelines met with recorded proof of mailing and address documentation retained.
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Participant Election Received
Election processed and eligibility updated. Coverage continuation aligned without manual tracking. Participant status confirmed and recorded in system.
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Coverage Continuation Active
Premium billing and collection managed. Payments tracked and reconciled consistently against active COBRA enrollment within each billing cycle.
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Ongoing Coverage Lifecycle
Deadlines, status changes, and terminations monitored. Compliance workflows maintained without manual oversight. Termination applied based on payment status.
Compliance & Risk
COBRA Requires Exact Timing, Documentation, and Tracking
COBRA administration involves strict timing, documentation, and communication requirements. Errors in notice delivery, election handling, or billing tracking create compliance exposure and administrative risk.
- Time-bound notice requirements
- Documented delivery expectations
- Ongoing eligibility and payment tracking
- Audit visibility requirements
COBRA is administered operationally in accordance with requirements. Legal compliance responsibility remains with the employer.
Risks When Processes Break Down
Missed Notice Deadline
Notices not sent within required deadlines create direct compliance exposure.
Incorrect Delivery Documentation
No proof-of-mailing means notice delivery cannot be confirmed under audit.
Election Tracking Gaps
Elections not recorded leave coverage continuation status unclear and unresolved.
Billing Misalignment
Premiums not tracked against active coverage create reconciliation and termination risk.
Incomplete Audit Trail
No accessible record of notices, elections, and payments leaves no defensible audit position.
Client Outcomes
COBRA Administration Moved out of Manual Tracking and into Controlled, Documented Workflows
COBRA administration coordinated across 3,900 benefit-eligible employees and 200 locations: notices, premium collection, compliance tracking, and real-time reporting administered by BAS with documentation maintained throughout.
Large Multi-Site Employer COBRA Administration Client
Billing and payment handling moved out of HR workflows including coupons, invoicing, collection, and grace-period tracking.
Regional School District COBRA and Retiree Billing Client
COBRA and retiree communications were standardized across all continuants, replacing inconsistent manual outreach.
Regional School District COBRA and Retiree Billing Client
Operational Proof
Where COBRA Administration Breaks — and How It's Resolved
Notice Delivery Failure
Qualifying Events Go Untracked — Notices Miss Their Deadline
No record of when notices were sent or delivered.
Notices Generated and Tracked from Recorded Qualifying Events
- Qualifying events captured from eligibility and status changes
- Delivery documented with proof of mailing for every notice
Election Tracking Failure
Elections Are Missed When Responses Are Tracked Manually
Coverage status unclear across systems.
Election Tracking and Enrollment Managed within Structured Workflows
- Election windows tracked against qualifying event timelines
- Coverage continuation updated without manual follow-up
Billing Synchronization Failure
COBRA Billing Falls out of Sync with Coverage and Payments
Payments not reconciled to active coverage.
Billing, Payment Tracking, and Eligibility Maintained in Alignment
- Premium billing tied to active COBRA enrollment status
- Termination rules applied based on verified payment status
Common Questions
COBRA Administration — Frequently Asked Questions
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Notice generation, election tracking, premium billing, payment collection, enrollment processing, and compliance monitoring. All administration is handled end-to-end with documented processes and a full audit trail per qualifying event.