O4 Detail Hero Banner

COBRA Administration for Employers

Remove complexity, save time and increase compliance with our unique administration capabilities.

What is the Consolidated Omnibus Budget Reconciliation Act (COBRA)?

  It’s a federal law that requires employers with 20+ employees to offer continuing health benefit coverage to employees and their dependents (at their own expense) who would otherwise lose benefits due to employment termination, reduction in hours or other certain events.

""

Industry expertise

  • In-depth knowledge of federal COBRA and state continuation laws 
  • Fully compliant participant communications
""

Tracking and reporting

  • Online access to real-time reporting 
  • Full transparency to all notices
""

Superior service

  • Simple implementation for employers 
  • State continuation administration options 
  • Toll-free customer service line for participants
O4 50-50 Content Block

All-inclusive administration

We send notices and invoices to participants, manage premium payments and coordinate the reinstatement/termination of coverage with carriers.

O4 50-50 Content Block

COBRA experience for beneficiaries and participants

  • Quick and easy online access 
  • Make payments online with ACH, check or credit card 
  • View amount due, transaction history, coverage level and more
O4 50-50 Content Block

Additional services

  • Direct billing administration (retirees, leave of absence, etc.) 
  • Open enrollment for COBRA participants 
  • ACA reporting assistance 
  • Additional or re-issued notices

Contact us

Current client looking for support?

Contact your account representative directly or email employerservice@of.optum.com.

O4 Simple Cards

Complementary solutions

O4 Simple Card

Health Savings Accounts (HSAs)

Accelerate progress toward a healthier future with an HSA that helps employees take control of their care, payments and overall health.

O4 Simple Card

Flexible Spending Accounts (FSAs)

Help your employees budget and save for qualified expenses during the benefit plan year through pre-tax contributions.

O4 Simple Card

Health Reimbursement Arrangements (HRAs)

Use this custom-designed, employer-funded plan to help offset employees’ health care costs, while providing tax savings to the organization.