Rights Notice Mailing
The COBRA rights notice is mailed automatically, with no third-party administrator (TPA) needed.
Familiar Enrollment Flow
Beneficiaries enroll through the same flow as open enrollment, so nothing feels unfamiliar.
ACH Premium Collection
BerniePortal collects monthly premiums via ACH and remits payment directly to you.
Precise COBRA Costs
Beneficiaries see only COBRA-eligible coverages, priced monthly with the 2% admin fee built in.
Ongoing Coverage Tracking
Beneficiaries can return to BerniePortal anytime after enrolling, to check on their coverage.
Frequently asked questions
COBRA (the Consolidated Omnibus Budget Reconciliation Act) lets employees and dependents continue group health coverage after a qualifying event, like a termination or reduced hours.
Employers with 20 or more employees are generally required to offer COBRA under federal law. Talk to your broker to confirm how the law’s employee count applies to you.
Former employees generally pay the full premium cost, plus a 2% administrative fee kept by BerniePortal. Costs are calculated and presented automatically during enrollment, so you don’t have to communicate plan details to a third-party service.
Carrier communication for COBRA enrollments and terminations works the same way it does for active employees.
COBRA participants appear in your “Employees” area alongside active employees, clearly marked as COBRA. Click into their profile for a dedicated “COBRA” tab with all payment history — no separate vendor login needed.