Understanding your COBRA plan

COBRA regulations require employers with 20 or more employees to offer a temporary extension of health coverage to employees and their eligible dependents when employees or dependents lose coverage due to qualifying events.

Know your payment options

Choose the payment option that works best for you.

Electronic Funds Transfer (EFT)

With EFT, your monthly payment is automatically deducted from your checking account. No invoice, no stamps, no hassle. You can also set up recurring payments in your COBRAPoint member portal.

  • Available for all members with a checking or savings account
  • Attach a voided check with your request for EFT.

Self Pay

Self Pay gives you the control to pay anytime within a 30-day grace period. After electing COBRA, you’ll receive coupons to submit with your monthly payments.

  • Receive monthly payment coupons by mail
  • Send your coupon and a check or money order to:

BenefitHelp Solutions
P.O. Box 40548
Portland, OR 97240-0548

Make changes to your account

Change how you pay

Need to switch payment options? Print and complete this payment type form then mail it to us at:

BenefitHelp Solutions
PO Box 40548
Portland, OR 97240

Or log in to your portal. It’s that easy.

Change your address, add a dependent, or request a status change

Make update to your account using this change form.

Authorize release of your records

Fill out a PHI release form to share your protected health information (PHI) with family members or designated individuals.


Need help managing your plan? 
Check out our COBRA tools and forms.

View resources

Still didn’t find what you’re looking for? See what other members are asking about below.

Yes. COBRA participants have the same rights as all active employees while they are enrolled in COBRA continuation coverage.

If you, or a dependent who is a qualified beneficiary, are determined by Social Security Administration (SSA) to have been disabled at any time during the first 60 days of COBRA coverage, you and your dependents will be eligible to extend coverage for 11 months.

The law specifies that you must provide a copy of the disability determination (Notice of Award) before the end of the original 18-month period that applies to the qualifying event. This letter must include the actual date the SSA deems you disabled according to their rules. We must receive the Notice of Award within 60 days of the date of the letter.

However, some employers have elected to extend the 60-day time period for submitting a disability extension. COBRA premiums during an 11-month disability extension are increased to 150 percent of the regular premium rate.

Contact us if you have questions.

No. You have 45 days from signing up to make your first premium payment. However, your insurance carrier may not update your eligibility until full payment has been received through the current month.