COBRA notices and election coordination
Coordinate participant notices and election information within the agreed scope, with clear handoffs from your team.
COBRA Administration and Direct Bill Services
A benefits advisor explaining options to two employees in a comfortable lounge.We know how people work
Clear administration. Continued benefits support.
Benefits responsibilities continue when someone leaves employment, retires, or moves away from payroll deductions. Cushion helps employers organize COBRA administration and direct billing, giving your benefits team a dependable partner and participants a clear place to turn.
For governments, municipalities, and employers nationwide, this service connects benefits administration across departments and participant groups. We work with your team to define the plans, responsibilities, communication, and reporting your organization needs, whether you need this service on its own or alongside broader HR support.
Practical service support
How we help
We agree on the work together, with your people and priorities in mind.
Eligibility and coverage updates
Keep participant information connected with coverage changes and the updates needed by your benefits partners.
Premium billing and payment tracking
Organize premium billing, record payments, and follow up on payment questions through the agreed process.
Retiree and direct bill administration
Support benefit premium administration for retirees and other eligible participants paying outside payroll deductions.
Participant communication and support
Help participants understand administrative next steps and know whom to contact with benefit billing questions.
Employer reporting and account coordination
Agree on reporting and regular communication so your team can follow the program’s administrative activity.
What we work toward
Make everyday work better.
- Give your benefits team more capacity for other priorities
- Make notices, payments, and participant questions easier to manage
- Keep your organization informed as participant needs change
A clear starting point
It starts with a conversation.
Share your priorities
Tell us what is working, what is getting in the way, and where you want to go.
Agree on the work
We will discuss the support that fits and agree on the scope and responsibilities.
Keep talking
Keep the conversation going as the work develops and your team’s needs change.
Straightforward answers
Questions about COBRA Administration and Direct Bill Services.
What is the difference between COBRA administration and direct billing?
COBRA administration supports continuation coverage for eligible individuals after qualifying events. Direct billing handles benefit premiums paid directly by participants rather than through payroll deductions, including retirees where the plan allows. The services can work together, with responsibilities defined around your plans.
Does Cushion work with governments and municipalities?
Yes. Cushion provides COBRA Administration and Direct Bill Services for government and municipal employers. We discuss your plans, participant groups, department responsibilities, and internal approval processes before agreeing on the work.
What can COBRA administration support include?
The agreed scope can include notices, election coordination, eligibility and coverage updates, premium payment tracking, participant communication, and employer reporting. We identify the information and decisions your team provides and the administrative work Cushion handles.
Can direct billing support retirees?
Yes. Retiree benefit billing can be included in the service. We discuss the eligible participants, benefits, premium amounts, billing arrangements, and communication your program needs.
Do we need to outsource all of HR to use this service?
No. COBRA administration and direct billing can be a distinct relationship with Cushion. Your organization retains its benefits decisions while we handle the agreed administration.
What should we bring to the first conversation?
Start with the plans and participant groups involved, your current billing and notice process, and the administrative work you want help managing. We will discuss responsibilities, communication, and a practical transition with your team.
COBRA Administration and Direct Bill Services
Bring clarity to COBRA administration and direct billing.
Tell Cushion Corp about your benefit plans, participants, and current administration. We’ll discuss COBRA notices, premium billing, participant support, and the responsibilities your team wants help managing.
Contact Cushion Corp