Sr Cobra Analyst - LH

Luminare Health Benefits Inc.; United States; Remoto; USD 25.000 - 47.000; Tempo pieno

Descrizione del lavoro

Luminare Health Benefits Inc. seeks a Senior COBRA Analyst to manage COBRA administration for high complexity clients, employee COBRA benefits, FMLA, retirees, and LOA.

The role includes monthly closing tasks, rate entry, and database maintenance while handling federal/state inquiries. Responsibilities cover renewal analysis, rate input, client setup, and compliance coordination with internal teams and vendors.

Competenze

• High school diploma or GED required.
• 3+ years COBRA, FMLA, LOA and retiree administration/coordination experience.
• Experience with COBRA EAS & PowerStepp preferred.
• Knowledge of federal/state leave programs and COBRA regulations.
• Strong Excel, Word, Outlook skills.
• Excellent organizational and communication abilities.

Mansioni

• Manage COBRA administration for high complexity clients and their employees.
• Handle monthly and off-cycle refunds, ACH forms, and premium billing.
• Enter renewal rates and new client rates with vendor setup.
• Coordinate COBRA implementation for new and terminated clients.
• Maintain COBRA database integrity and generate reports.
• Respond to inquiries from compliance and vendors; ensure PHI privacy.
• Produce daily balancing sheets and maintain documentation.

Conoscenze

COBRA administration

FMLA/LOA knowledge

Customer service

Excel

Word

Outlook

Problem solving

Organizational skills

Interpersonal skills

Formazione

High school diploma or GED

Bachelor’s degree (preferred)

Strumenti

PowerStepp

COBRA EAS

Descrizione del lavoro

Job 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

• 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
• 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
• 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
• 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.
• 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
• 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.
• Maintains quality standards for performance
  • Meets or exceeds 98% in all aspects of client calls
  • Meets or exceed Department of Labor COBRA regulations
• Prepares, updates, and maintains policy and procedure documentation for the COBRA department.
• Train new hire employees and re-train existing employees when required
• 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

• 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 for associates.

Min to Max Range: $18.07 - $33.92 Exact compensation may vary based on skills, experience, and location.

This role aligns with an annual incentive bonus plan subject to the terms and the conditions of the plan.

Employer Overview

Luminare Health, a wholly owned subsidiary of Health Care Service Corporation (HCSC), is on track to become the nation’s best and largest third-party administrator. We are committed to delivering service excellence and dedicated to making healthcare simpler, better, and more affordable for our clients and their members. Our people are at the heart of everything we do. We foster a collaborative, purpose-driven culture where employees are empowered to make an impact, grow their careers, and help transform the healthcare experience.