Regulatory Compliance

COBRA/HIPAA Administration

EBMS considers COBRA/HIPAA Administration as a dedicated line of business. We provide full-service administration and employ dedicated professionals who are certified in these areas of expertise.

COBRA Administration—COBRA Administrative services include: initial notification upon enrollment; event processing; response processing and tracking; enrollment processing; premium billing and collection; eligibility and grace period tracking. Those clients enrolled in EBMS’ health administrative services may elect COBRA Administration.

When clients purchase COBRA administration services, EBMS sends COBRA notification letters and election forms to qualified beneficiaries and/or dependents by standard mail, whenever a qualifying event occurs. This information outlines their COBRA rights and obligations. It also includes a payment schedule for total monthly premiums due.

For qualified beneficiaries who elect COBRA coverage, EBMS will send confirmation letters and payment coupons. Our COBRA staff will collect and process monthly payments from those beneficiaries, and answer any benefit questions those individuals might have.

Our COBRA staff will also inform qualified bene-ficiaries of health conversion rights at the proper time during the COBRA continuation period (if applicable), and maintain accurate reports of all COBRA enrollees.

HIPAA Administration—HIPAA Administrative services include: accepting, verifying and applying creditable coverage for employees, and assisting clients with HIPAA Privacy and Security Compliance. When clients purchase HIPAA administrative services, EBMS will provide HIPAA coverage certificates for their employees when health benefit coverage is terminated. Once notice for a terminated employee is received, EBMS will send a certificate of creditable coverage to the employee’s or dependent’s address on file. EBMS will also complete random verification of information listed on incoming HIPAA certificates as part of our fraud detection efforts.

HIPAA Compliance Review and Training— EBMS has a dedicated in-house HIPAA Compliance Officer who assists clients with policies and procedures to ensure clients meet all HIPAA Privacy and HIPAA Security regulations.