Marshall & Sterling Insurance and the CobraTrak System

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