FAQs

No, premiums cannot be prorated for a shorter period. You must pay the full premium amount for each month. Partial payments will be accepted, but cannot be reported to the carrier until the full amount has been paid. You will not have coverage until all premiums have been paid in full.

There is no difference in the insurance plan that you now have under COBRA. All plan rules and coverages are exactly the same as you had before you terminated employment. The only difference is that you are now paying the actual full cost of the premium instead of just the employee contribution amount.

Send all inquiries regarding coverage or claims activity directly to the carrier, just as you did before you elected COBRA.

Make your COBRA election as soon as you receive your Election Form and return it to us with the appropriate amount due immediately.

When your COBRA period has ended, it will be your responsibility to find other insurance coverage.

Please read the election form you received in its entirety. When you return your signed election form, make a copy before sending it to Chard Snyder and keep it for your records.

No, we are committed to protecting all your Personally Identifiable Information (PII) in compliance with HIPAA and Privacy Act standards.

Your case manager gets to know you, your company and your employees on leave.

Your LSA is designed by your employer to reimburse you for certain eligible healthcare expenses.

LSA plans are customized for each employer.