Sr Cobra Analyst - LH

Luminare Health; United States; Remote; USD 25,000 - 47,000; Full time

Job summary

Luminare Health seeks a Senior COBRA Analyst to manage COBRA, FMLA, LOA and retiree programs for high complexity clients. The role involves monthly duties, rate entry, data integrity, and responding to compliance inquiries.

Responsibilities include renewal analyses, implementation support, and monthly invoicing for COBRA beneficiaries, with strict PHI handling and collaboration with internal teams.

Qualifications

• High school diploma or GED equivalent.
• 3+ years with COBRA, FMLA, LOA and retiree administration/coordination experience and 3+ years COBRA EAS & PowerStepp.
• Knowledgeable in handling Federal, State and Company leave programs.
• Understanding of administration system processes: premium administration, eligibility, claims, billing.

Responsibilities

• Manage COBRA administration for high complexity clients and employees.
• Handle COBRA rate entry, renewal analyses, and database maintenance.
• Process COBRA events, invoicing, and monthly/off-cycle refunds.
• Coordinate with compliance and vendors on regulations and data integrity.

Skills

COBRA administration

FMLA/LOA experience

Data analysis

Microsoft Excel

Customer service

Organizational skills

Education

Bachelor’s degree preferred

Tools

JD Edwards

PowerStepp

Excel

Outlook

Word

Job description

At Luminare Health, our people are what set us apart. Their expertise, dedication, and passion for service excellence are the foundation of our success.

We’re committed to helping our employees grow through thoughtful development opportunities, meaningful work, and a culture that values collaboration and continuous improvement. When you join Luminare Health, you join a purpose-driven team focused on making healthcare simpler, better, and more affordable.

Job Summary

Job Profile Summary
The Senior COBRA Analyst will be responsible for managing COBRA administration for high complexity clients and their employee’s COBRA benefits, FMLA, retirees and LOA (company leave programs). This position will involve fiscal month end duties, COBRA rate entry and maintenance, COBRA database maintenance and responding to federal/state compliance inquiries.
Job Description
o Fiscal Duties
Creates monthly disbursement reports for COBRA clients and releases COBRA premiums collected to clients through Accounting department
Post live checks and lockbox deposit checks daily
Generates Credit Card payment audits for COBRA team daily
Processes both monthly and off-cycle refunds
Processes Automated Clearing House (ACH) forms & recurring credit card payment forms
Prepares Daily Balancing sheets Maintains data integrity within COBRA database
o Adheres to rate renewal process for COBRA clients
Analyzes all group renewals, off-anniversary and termination requests for accuracy, reasonability and completeness. Works closely with the COBRA team and other teams when inconsistencies are found
Inputting renewal rates for clients
Entry of new client rates with vendor and division set up
Quality review of inputted rates for rate renewals and new client set up
Reviews incoming Client Change Request Forms (CCRF) to evaluate COBRA impact
o COBRA Implementation (new clients & terminated clients)
Participates in implementation calls as COBRA representative
Gathers all relevant COBRA required information from Implementation team
Creates new COBRA group in COBRA databased based on information obtained
Adheres to terminated client process & works with analyst to complete
o Processes COBRA continuation paperwork for COBRA qualified benefits and handling monthly invoicing for these clients as well as account maintenance.
Processes COBRA Qualifying Events for subscribers and dependents into the COBRA database daily.
Completes daily auditing process for keyed notifications from the COBRA database daily.
Completes daily fulfillment of COBRA documentation to subscribers and dependents, adhering to PHI guidelines
o Coordinates and processes all assigned group data related activities with respect to COBRA Administration (including (Federal, State and International), retiree benefit programs & client specific company leave programs.
Maintains organized files regarding enrollment, termination and changes. Makes sure files contain supporting data necessary to research decisions made on coding variations
Reports inconsistencies in eligibility, plan structure, account set-ups and systems structure to management. Researches inbound escalations and suggests corrective actions for prevention in future situations. Rebuild of member records in COBRA database as necessary
Run daily database processing for all input entered the previous day
Collaborates with internal compliance department to answer inquiries regarding COBRA regulations and Medicare/Social Security Disability Insurance (SSDI) rules
Interaction with third party vendors and administrators to update member benefits/coverage
Provide clients with reporting of enrolled, notified and terminated membership as requested
o Answers overflow of inbound calls through the COBRA queue and independently responds to questions and emails sent to the COBRA email address within standard turnaround time.
o Maintains quality standards for performance
Meets or exceeds 98% in all aspects of client calls
Meets or exceed Department of Labor COBRA regulations
o Prepares, updates, and maintains policy and procedure documentation for the COBRA department.
o Train new hire employees and re-train existing employees when required
o Other duties as needed/assigned.

Required Job Qualifications:

• High school diploma or GED equivalent.
• 3+ years with COBRA, FMLA, LOA and retiree administration/coordination experience and 3+ years experience with COBRA EAS & PowerStepp
• Knowledgeable in handling various types of Federal, State andCompany leave programs.
• Understanding of Administration System processes (premium administration, eligibility, claims, billing, commissions, reporting and premium administration).
• Customer service experience in a professional setting
• Knowledgeable in Microsoft Excel, Word and Outlook
• Strong problem-solving ability
• Must possess strong organizational skills that will allow for multi-tasking
• Excellent interpersonal skills
• Positive attitude and willingness to learn

Preferred Job Qualifications:

• Bachelor’s degree preferred
• JD Edwards
• In depth knowledge of COBRA laws, HIPAA portability and eligibility laws
• Knowledge of Social Security & Medicare law

Location: This position may be performed remotely from anywhere within the continental United States, excluding California, New York, Alaska, and Hawaii.

EEO Statement:

We are an Equal Opportunity Employment employer dedicated to providing a welcoming environment where the unique differences of our employees are respected and valued. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or any other legally protected characteristics. We are a drug-free and smoke-free workplace. Employment may be contingent upon successful completion of drug screening in accordance with applicable law.

Pay Transparency Statement:

At Luminare, you will be part of an organization committed to offering meaningful benefits to our employees to support their life outside of work. From health and wellness benefits, 401(k) savings plan,pension plan, paid time off, paid parental leave, disability insurance, supplemental life insurance, employee assistance program, paid holidays, tuition reimbursement, plus other incentives, we offer a robust total rewards package forassociates.

The compensation offered will vary depending on your job-related skills, education, knowledge, and experience. This role aligns an annual incentive bonus plansubject to the terms and the conditions of the plan.

Min to Max Range:

$18.07 - $33.92

Exact compensation may vary based on skills, experience, and location.