The Department of Labor

DOL

Private Companies are regulated by the Department of Labor (DOL). More specifically, the Subdivision known as the Employee Benefits Security Administration (EBSA). EBSA Investigators detect and correct violations of Title I of ERISA (the group health insurance regulations).

EBSA also investigates criminal wrongdoing, like fraud and they have an active investigative staff in field offices in every state. Call them on the toll-free hot line: 1.866.444.EBSA (3272) EFAST help line: 1.866.463.3278.

IRS

IRS
 

The IRS issues legal regulations about COBRA eligibility, costs and other details. They have the ability levy excise taxes (penalties) and conduct health plan audits to check for compliance. Employers who detect health plan compliance failures in regards to COBRA are supposed to self report, using form 8928 and pay RS final regulations now require employers to self-report violations of these rules and pay related excise taxes, where appropriate under the Code and applicable regulations.

Department of Health and Human Services

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Public Sector group health plans are regulated by the Department of Health and Human Services. The subagency, the Centers for Medicare & Medicaid Services (CMS), has advisory jurisdiction. (42 U.S.C. 300bb-1 through 300bb-8 (title XXII of the Public Health Service Act), entitled "Requirements for Certain Group Health Plans for Certain State and Local Employees").

CMS 7500 Security Boulevard Mail Stop S3-16-16 Baltimore, MD 21244-1850 410-786-1565

Continued Health Care Benefit Program

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Public Sector group health plans are regulated by the Department of Health and Human Services. The subagency, the Centers for Medicare & Medicaid Services (CMS), has advisory jurisdiction. (42 U.S.C. 300bb-1 through 300bb-8 (title XXII of the Public Health Service Act), entitled "Requirements for Certain Group Health Plans for Certain State and Local Employees"). CMS is located at 7500 Security Boulevard Mail Stop S3-16-16 Baltimore, MD 21244-1850 410-786-1565

Better Business Bureau

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An overlooked way to get the Health Plan Administrator's attention is to file a BBB complaint. They will have to answer if they want to retain a good rating.

Some companies pay quite a bit to be in a part of their local BBB, and want to preserve their reputation, as well as minimize complaints for potentially new clients who pull up their complaint history.

I might add, we are not endorsed, approved or affiliated by the BBB. Nor have we paid for BBB affiliation. Coincidence?

Complain to the Company

Another area to explore is if the company is using a 3rd Party administrator (TPA ) for their health care management. If you complain to the employer, since they are ultimately responsible for COBRA compliance failures, they should contact the TPA right away to protect their own interest.

About Me

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My name is Ray Santos and I built this site to help people with their COBRA insurance concerns. If you ever have questions of me or my staff (my over worked wife) please contact me.

My parents were both from Lima, Peru and I came here at age 17. At age 24, I became an insurance agent and have been interested in finances ever since. I live in San Diego with 4 kids, 1 mutt and my tireless Goddess.

I hope you achieve you health insurance goals and if you use the site to verify info or look up rates, I am grateful to be a part of your quest.