Sr Cobra Analyst - LH

Luminare Health

10d•$18 - $34•Remote

About The Position

The Senior COBRA Analyst manages COBRA administration for high-complexity clients, including employees’ COBRA benefits, FMLA, retirees, and company leave programs. The role includes fiscal month-end work, COBRA rate entry and maintenance, database maintenance, and responses to federal and state compliance inquiries. The analyst handles COBRA financial transactions and reporting, such as preparing client disbursement reports, processing payments and refunds, and maintaining balancing records. They manage rate renewals and new-client rate setup, review client change requests, and participate in COBRA implementation and terminated-client processes. The role also processes continuation coverage paperwork, qualifying events, notifications, invoicing, and account maintenance. It coordinates group data activities involving COBRA, retiree benefits, and client leave programs; researches escalations and data inconsistencies; collaborates with compliance teams and third-party administrators; and provides membership reporting and client support. The analyst may handle overflow calls and email inquiries, maintain department procedures, train employees, and perform other assigned duties. This position may be performed remotely from anywhere in the continental United States, excluding California, New York, Alaska, and Hawaii. The compensation range is $18.07–$33.92; exact compensation may vary based on skills, experience, and location. The role aligns with an annual incentive bonus plan, subject to its terms and conditions.

Requirements

High school diploma or GED equivalent.
At least 3 years of COBRA, FMLA, LOA, and retiree administration or coordination experience.
At least 3 years of experience with COBRA EAS and PowerStepp.
Knowledge of various federal, state, and company leave programs.
Understanding of administration system processes, including premium administration, eligibility, claims, billing, commissions, and reporting.
Customer service experience in a professional setting.
Knowledge of Microsoft Excel, Word, and Outlook.
Strong problem-solving ability.
Strong organizational skills and ability to multitask.
Excellent interpersonal skills.
Positive attitude and willingness to learn.

Nice To Haves

Bachelor’s degree.
Experience with JD Edwards.
In-depth knowledge of COBRA laws, HIPAA portability, and eligibility laws.
Knowledge of Social Security and Medicare law.

Responsibilities

Create monthly COBRA client disbursement reports and release collected premiums to clients through Accounting.
Post live checks and lockbox deposit checks daily; generate daily credit card payment audits; process monthly and off-cycle refunds; and process ACH and recurring credit card payment forms.
Prepare daily balancing sheets and maintain data integrity in the COBRA database.
Analyze group renewals, off-anniversary changes, and termination requests for accuracy, reasonableness, and completeness; coordinate resolution of inconsistencies with COBRA and other teams.
Enter and quality-review renewal rates and new-client rates, including vendor and division setup.
Review Client Change Request Forms to evaluate their COBRA impact.
Participate in client implementation calls as the COBRA representative, gather required information, create new COBRA groups in the database, and work with analysts on terminated-client processing.
Process COBRA continuation paperwork, qualifying events, subscriber and dependent notifications, monthly invoicing, and account maintenance.
Complete daily audits of keyed notifications and fulfill COBRA documentation while adhering to PHI guidelines.
Coordinate assigned group data activities for COBRA administration, retiree benefit programs, and client-specific company leave programs, including federal, state, and international matters.
Maintain organized enrollment, termination, and change files with supporting information for researching coding decisions.
Report and investigate inconsistencies in eligibility, plan structure, account setup, and system structure; recommend corrective actions and rebuild member records as needed.
Run daily database processing for information entered the previous day.
Collaborate with internal compliance on inquiries about COBRA regulations and Medicare and Social Security Disability Insurance rules.
Interact with third-party vendors and administrators to update member benefits and coverage.
Provide clients with requested reports on enrolled, notified, and terminated membership.
Handle overflow inbound calls and independently respond to COBRA email inquiries within standard turnaround times.
Maintain quality standards, including meeting or exceeding 98% in all aspects of client calls and meeting or exceeding Department of Labor COBRA regulations.
Prepare, update, and maintain COBRA department policy and procedure documentation.
Train new hires and retrain existing employees when required.
Perform other duties as assigned.