No. Your initial COBRA enrollment cannot be honored without your written approval. This is for your protection.
Yes. The money in your HRA can be used to pay for eligible medical expenses of any family member who qualifies as a dependent on your tax return, provided the dependent is covered by your HRA.
Whether or not your money rolls over to the next plan year is up to your employer. Contact your human resources department for specific information about your plan design.
Whether or not you can continue to use your HRA funds for qualified expenses after you leave your employer or retire is up to the employer. Contact your benefits department for specific information about your plan design.
Your HRA benefit amount is determined by your employer. Most plans will reimburse eligible expenses up to the full available balance in your HRA. If your plan is based on an accrual, you'll only be reimbursed the amount that you've earned in the plan. Contact your benefits department for specific information about your plan design.
The amount contributed to your HRA is up to your employer. Contact your benefits department for specific information about your plan design.
Many HRA plans provide an annual benefit that is available to you in full at the beginning of the plan year. In other plans, benefits accrue from month to month. For example, your plan may provide $1,200 for the entire plan year accrued at $100 each month. You may only be reimbursed up to the maximum amount you’ve accrued at the time of the claim and reimbursed for the balance of your claim once you've accrued more funds. Contact your benefits department for information about your specific HRA fund availability.
Eligible expenses under an HRA plan are determined by your employer. Contact your human resources department for information about your HRA plan design and eligible expenses. Generally, the following expenses are eligible under an HRA plan:
- Health insurance deductibles
- Coinsurance and co-pays
- Other expenses included in IRS Publication 502—Medical and Dental Expenses as eligible or qualified expenses
- Some insurance premiums
No. The accounts aren’t individually owned bank accounts that are eligible to earn interest.
HRAs are fully owned and funded by the employer.
HRAs are usually provided by employers to complement a higher-deductible health plan (HDHP), but can be paired with any type of health plan or offered alone. Once you have used your HRA funds, you pay all new and remaining expenses out of pocket.
A health reimbursement arrangement (HRA) is an employer-funded spending account that can be used to pay qualified medical expenses. The HRA is 100% funded by your employer. The terms of these arrangements can provide first dollar medical coverage until the funds are exhausted or insurance coverage kicks in. The contribution amount per employee is set by the employer, and the employer determines what the funds can be used to cover and if the dollars can be rolled over to the next year. In most cases, if the employee leaves the employer, they can't take remaining HRA funds with them. Typically, your employer provides a high-deductible health plan and establishes an HRA in your name to help pay for your eligible out-of-pocket medical expenses. You may not contribute to the funding of your HRA. If you use all of your funds and incur additional medical expenses that are your responsibility, you'll be required to pay for these additional expenses out of your own pocket. An HRA is another type of health account that provides an incentive for consumers to become actively involved in your health care spending.
Please allow 24 hours for routing of your paperwork to the correct department. If you wish to confirm receipt of a document or a payment please contact us by phone (1-877-747-4141) or email (firstname.lastname@example.org).
If you are enrolled in the Continuon Services Auto-Pay you will need to provide us with a written request to stop your auto-pay at least five business days before the first of the month. Failure to notify us in a timely manner will result in an 8 – 10 week waiting period for a refund.
If you are enrolled in the Continuon Services Auto-Pay you will need to provide us with a written request to stop your auto-pay and terminate your coverage at least five business days before the first of the month. If you are not enrolled in auto-pay, simply stop making payments to Continuon Services and we will terminate you naturally.
We need both your COBRA summary and election form and your initial payment in order to complete your enrollment. If one of those items are missing your enrollment will be pended until the item is received.
In most cases, no, you will not get new cards. Please retain your current cards, they will be reactivated once your reinstatement is complete.
It takes 7 to 10 business days to reactivate your coverage. If you have any expenses during this reinstatement period please hold on to all payment records and receipts so that you can make a claim for reimbursement directly to your carrier.
Continuon Services ATTN: COBRA Department P.O Box 7127 Atlanta, GA, 30357-7127
There are three ways you can pay for COBRA: online, over the phone, or by mail.
- Online: submit your payment using either a credit card or bank draft by visiting our Cobra page and selecting "Make a COBRA Payment" on the right.
- By phone: call us at 1-877-747-4141
- By mail: submit a check or money order to: Continuon Services ATTN: COBRA Department P.O Box 7127 Atlanta, GA, 30357-7127
During your initial election period you have 45 days to make your first payment. On an ongoing monthly basis your payment is due at the first of the month for the month that you are paying for, with a grace period of 30 days.
Qualified beneficiaries must be given an election period during which each qualified beneficiary may choose whether to elect COBRA coverage. Each qualified beneficiary may independently elect COBRA coverage. A covered employee or the covered employee's spouse may elect COBRA coverage on behalf of all other qualified beneficiaries. A parent or legal guardian may elect on behalf of a minor child. Qualified beneficiaries must be given at least 60 days for the election. This period is measured from the later of the coverage loss date or the date the COBRA election notice is provided by the employer or plan administrator.
When submitting a claim always include an itemized receipt, IRS guidelines require us to only approve eligible expenses so therefore we must deny any claims that don’t explain what the payment was. If you just submit a credit card receipt we will have to deny your claim as it may be for an ineligible expense.
When creating an online account your employee ID is always going to be your Social Security number with no spaces or dashes. Even if you have a company issued employee ID it is still going to be your social security number.