COBRA & DIRECT BILL:
PEACE OF MIND THROUGH CONTINUED COVERAGE

For even the most seasoned HR professional, managing benefits and coverage for an active employee population and keeping track of coverage for former, retired and leave of absence employees can be a time-consuming task. For employees experiencing a loss of coverage, the process of electing COBRA and maintaining continued coverage can also be daunting. 

Discovery Benefits simplifies the COBRA and direct bill process for employers, employees and those who’ve lost coverage due to a COBRA qualifying event. With our comprehensive, end-to-end administration, we’ve got everyone covered – literally. 

WATCH NOW — WHY COBRA VIDEO

ALL ABOUT COBRA

 

Employer sends eligibility file to Discovery Benefits

 

Discovery Benefits sends COBRA Specific Rights Notice and election information to qualified beneficiaries (QBs)

 

QBs elect coverage and make payments for each month they’d like to continue coverage

 

Discovery Benefits communicates eligibility and coverage changes to insurance carriers

 

Employer sends eligibility file to Discovery Benefits

 

Discovery Benefits sends premium notices to direct bill employees

 

Participants submit payment for each month they’d like to continue coverage

 

Discovery Benefits communicates eligibility and coverage changes to insurance carriers

DISCOVERY MARKETPLACE

Employees wanting to continue health coverage after a qualifying event want options that can accommodate different coverage needs while staying affordable. At no cost to employers, we offer the Discovery Marketplace as a solution for providing COBRA qualified beneficiaries with cost-effective, customizable alternatives to electing and/or continuing COBRA coverage.

COBRA

  • National Average Family rate is $1,100 per month
  • National Average Single rate is $450 per month

The Discovery Marketplace

  • National Average Family rate is $425; that’s an average savings of $675 a month!
  • National Average Single rate is $300; that’s an average savings of $150 a month!
Discovery Marketplace iPad screenshot

THE DISCOVERY DIFFERENCE

We’ve been in the business of offering COBRA administration to employers across the country since 1994. In that time, we’ve developed an all-in solution that minimizes paperwork and reduces risk to employers while giving peace of mind to their active and former employee populations. This solution includes:

 

(Coming Soon!) A COBRA mobile app to simplify premium payments for participants

 

An easy-to-use online platform where participants can make payments and view communications

 

Robust carrier integrations that reduce delays in coverage

 

Real-time reporting and enrollment/termination transparency

 

Flexible alternatives for participants through Discovery Marketplace at no extra cost

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