Understanding your COBRA plan

Under COBRA regulations, employers with 20 or more employees are required to offer a temporary extension of health coverage to employees and their eligible dependents in certain instances where employees or dependents lose coverage due to qualifying events.

Know your payment options

Need more control over how you pay? Or more free time to focus on other things? 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
PO 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

Did you move recently? Update your contact information using a change of address form.

Change or add a dependent

Did you get married? Or have a baby? Add a new beneficiary using a dependent change form.

Authorize release of your records

Fill out a PHI release form to share your Protected Health Information with family members or designated individuals.

Request a Certificate of Creditable Coverage

Changing insurance carriers? Need to prove continuous coverage? Creditable Coverage can reduce or eliminate waiting periods imposed by certain health plans. To learn more, request a Certificate of Creditable Coverage.


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, is determined by Social Security 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 within 60 days after the date of the Social Security determination and before the end of the original 18-month period that applies to the qualifying event. However, some employers have elected to extend the 60 days time period for submitting the disability extension. Contact BenefitHelp Solutions if you have questions regarding this provision.

The COBRA premiums during an 11-month disability extension are increased to 150% of the regular premium rate.

No. You have 45 days from the date of election 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.