COBRA Administration & Decision Enablement.

Help departing employees find the best health plan, whether it's COBRA or Marketplace plans available through the federal or state exchange.

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What we do.

We start off on the right foot.

ThivePass will run carrier and clients audits upon takeover to ensure no existing issues carry over to your new administration.

We work flexibility.

From custom letters and notifications to specialized reporting, ThrivePass offers an administrative structure that meets your needs.

We personalize communications.

No cookie cutter templates here: ThrivePass will work with you to craft personalized and tailored takeover communications.

How we do it.

Qualifying Event Notices

Clients notify ThrivePass via our portal or electronic file and sends a COBRA notice to the former employee who in turn can opt to enroll in or decline COBRA coverage.

State and Federal COBRA Extensions

We support state rules where they apply and federal rules everywhere else.

Premium Payments

To make things simple, we accept payments through direct debit (ACH) and credit card. To all covered participants ThrivePass provides detailed monthly statements.

Direct Billing

Whether it's a severance and tipped employee program, LOA, or retired benefits, we'll work with you set up the best program possible.

COBRA Decision Enablement.

On average, COBRA participants cost employer’s plans $10,000 per year and COBRA coverage costs participants around 27% more than plans available through the federal and state Marketplaces.
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That's where ThrivePass's COBRA Decision Enablement comes in. Decision Enablement is an app that recommends the best available plan for participants —whether that's through COBRA or the federal and state Marketplaces.

Recommendations are based on the total cost of all possible plans for the participant, including premiums and out-of-pocket expenses. Oftentimes, that's not the COBRA plan.

Reduce Costs

Slash plan cost to employers by helping former employees elect and enroll in an alternative to COBRA coverage.
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Personalize Benefits

Allow former employees to enter personal benefits usage and preference information to recommend plans catered to their unique circumstances.

Easy the Transition

Hep former employers weigh their options during their transition with the side-by-side comparisons of COBRA coverage and alternative plans.

So, how does it work?

With hundreds of federal and state Marketplace plans to choose from, participants can usually find a better alternative to COBRA. After answering a series of questions about their health and finances, participants find the most affordable plan tailored to their needs.

1. Review Post-Employment COBRA Packets

When employees transition away from their current employer, they receive COBRA notifications that direct them to the COBRA Decision Enablement app, where they can consider their options for coverage.

2. Answer Questions About Health and Spending

When a participant logs into ThrivePass to enroll in COBRA, they can learn about other plans available. Participants can review all the plans they're eligible for or complete a series of questions to receive recommended results.

3. Make a Decision Based on Plan Recommendations

With recommendations in hand, participants can compare or browse through plans. While some participants may want to stick with COBRA coverage, those who elect the plan on the Marketplace may save even more money with federal and employer-funded subsidies. Worry not, we handle calculating federal subsidies.

4. Enroll in a Plan

Participants can enroll in a COBRA or Marketplace plan, taking advantage of federal and employer subsidies where applicable.

Ready to empower your employees with choice?

Request Demo