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Continuation of Coverage

Continuation of Coverage Administration That Closes the Gap Federal COBRA Doesn't Cover

Organizations not subject to federal COBRA still face state continuation requirements with their own notice timing, election windows, and premium obligations — and the same exposure when the process breaks down. BAS/CCS administers qualifying event notices, billing, and payment collection so continuation runs under any regulatory framework.

Qualifying event notices printed, mailed, tracked, and archived
Premium billing and collection handled for COC continuants
Real-time visibility into documents, payment history, and reports
Talk to BAS About Continuation of Coverage Request a COC Demo

WHAT BAS/CCS ADMINISTERS

COC Service Scope

  1. Qualifying Event Notices COC notice generation, mailing, and archival
  2. State Continuation State continuation and Mini-COBRA support
  3. Premium Billing Continuant billing coupons and premium invoicing
  4. Payment Collection Lockbox premium collection and payment history
  5. Reporting & Support In-platform reporting and call center support
35+ Years in Benefits Administration
~4,000 Organizations served
90% Calls answered under 20 seconds
2x Bi-weekly reporting and in-platform access
Why Outsource

COC Administration Breaks Down When Notices, Billing, and Tracking Are Managed Separately

Manual COC administration creates missed notice deadlines, inadequate mailing proof, and disconnected premium collection workflows. BAS/CCS connects qualifying events, notices, billing, and reporting through one governed process.

Without BAS Manual COC Administration Disconnected notices, billing, and tracking
  • HR manually tracks COC notices, deadlines, and premium payments
  • No centralized system to monitor continuant status or payment history
  • Payment history and mailed documents are difficult to access
  • Missed deadlines and notice errors increase operational risk
  • Continuants call HR directly with billing and coverage questions
With BAS Connected COC Administration Governed workflows through BAS/CCS
  • HR selects the qualifying event reason and BAS/CCS handles the downstream notice and billing workflow
  • Notices are printed, mailed, tracked with USPS proof, and archived
  • Premium billing, collection, and continuant support administered by BAS/CCS
  • Employers access real-time COC data and participant activity directly through BAS
  • Reports, mailed documents, and payment history are available in-platform
MyEnroll360 In Action

Every COC Workflow Connected.
No Missed Notices. No Manual Tracking.

Continuation of Coverage administration depends on coordinated workflows across qualifying events, participant records, notice generation, USPS proof of mailing, elections, premium billing, lockbox collections, reporting, and customer service. BAS/CCS connects these workflows, part of the Compliance + Regulatory service category.

  • COC qualifying event notices are generated, mailed, tracked, and archived
  • Continuant billing, premium collection, and payment history stay connected
  • Employers access participant documents, payment activity, and reports in MyEnroll360
What We Administer

Built for Complete Continuation of Coverage Administration

Qualifying Event Notices

COC qualifying event notices generated, printed, mailed, tracked with USPS proof of mailing, and archived in participant records.

State Continuation Support

State continuation and Mini-COBRA administration support alongside federal continuation requirements where applicable per employer plan design.

Premium Billing & Collection

Continuant billing coupons issued, premiums collected through bank lockbox, and payment history maintained with short-pay and non-payment termination workflows.

Reporting & Participant Support

Bi-weekly reporting, in-platform participant profile and document access through MyEnroll360, and in-house customer service for employer and continuant inquiries.

Administrative Scope

What BAS/CCS Handles for Continuation of Coverage

BAS/CCS administers COC workflows from implementation and file setup through qualifying event notices, billing, premium collection, open enrollment, document archival, reporting, and continuant support, with documented execution across every step.

Responsibility Area What BAS/CCS Handles

  • COC Account Setup and Configuration

    Continuation of Coverage program configured with employer plan information, plan rates, state continuation requirements, and qualifying event workflows established per employer design.

  • Dedicated Implementation Team Support

    Dedicated BAS/CCS implementation team manages COC program setup, data configuration, and employer onboarding workflows from contract through go-live.

  • File Import Build and Setup

    Employee and continuant data file formats configured with HRIS or payroll source systems. File processing workflows established to support ongoing qualifying event submissions and eligibility updates.

  • Recurring Employee and Continuant File Processing

    Ongoing employee eligibility and continuant data file processing supports real-time qualifying event trigger workflows and continuant account maintenance throughout the COC period.

  • Current Continuant Conversion to BAS Billing

    Employers transitioning from another COC administrator receive current continuant conversion support: continuant records, billing history, and election data migrated to BAS/CCS workflows.

  • Qualifying Event Letter Preparation and Mailing

    COC qualifying event letters generated, printed, and mailed to qualified beneficiaries with USPS proof-of-mailing tracking and PDF archival maintained per employer record requirements.

  • USPS Proof-of-Mailing Tracking

    USPS certificate of mailing tracked for each COC qualifying event notice. Proof-of-mailing records maintained in participant file and accessible through MyEnroll360 on demand.

  • PDF Notice Archival

    PDF copies of all COC notices archived in MyEnroll360 and accessible to employer administrators. Historical notice records available for audit and dispute resolution without requiring BAS/CCS retrieval requests.

  • COC Election Tracking

    Continuant COC elections tracked from election period open through election deadline. Election status updated in participant profile with no-election letter workflows generated when elections are not received.

  • Billing Coupon Generation

    Premium billing coupons generated and mailed to continuants with payment instructions, premium amounts, due dates, and remittance address. Coupon history accessible in participant profile.

  • Premium Billing and Collection

    Continuant premium payments collected through bank lockbox processing. Payment records maintained and posted to participant accounts with employer reporting updated on a bi-weekly basis.

  • Short-Pay and Termination Letter Workflows

    Short-pay letters, no-election letters, non-payment termination letters, voluntary termination letters, and end-of-COC-duration letters generated and mailed per plan rules and applicable deadlines.

  • Open Enrollment Packet Distribution

    Open enrollment packets packaged and mailed to active COC continuants including plan materials, rate information, billing coupons, and required notice documents.

  • Premium Renewal Updates

    Continuant premium billing updated with renewal plan rates and plan changes. Updated billing coupons generated and mailed with premium renewal notices as applicable.

  • Reporting and Participant Profile Access

    Bi-weekly COC reports and in-platform participant profile access available through MyEnroll360. Employer administrators access mailed documents, payment history, election records, and continuant status in real time.

  • Call Center Support

    In-house BAS/CCS customer service for employer and continuant inquiries: notice questions, billing status, payment history, plan information, and COC election support. 90% of calls answered under 20 seconds.

How It Works

From Qualifying Event to Notice, Billing, Collection, and Reporting

Each step in the COC administration lifecycle is handled through a defined workflow: qualifying event through notice, billing, collection, and ongoing participant support.

  1. Configure

    COC Account and Plan Rules Configured

    Employer COC program configured with plan information, plan rates, state continuation requirements, and qualifying event workflows. File import formats established from HRIS or payroll data sources.

  2. Receive

    Qualifying Event or Data File Received

    HR selects the applicable qualifying event reason and submits the data file. BAS/CCS receives the qualifying event notification and initiates the downstream notice and billing workflow.

  3. Notify

    Notice Printed, Mailed, Tracked, and Archived

    COC qualifying event notice printed and mailed to the qualified beneficiary. USPS proof-of-mailing captured. PDF notice archived in MyEnroll360 and immediately accessible to employer administrators.

  4. Collect

    Election, Billing Coupons, and Premium Collection Managed

    Continuant election tracked through the election period. Billing coupons generated and mailed. Premiums collected through bank lockbox. Short-pay and non-payment termination workflows managed per plan rules.

  5. Monitor

    Reporting, Payment History, and Support Continue

    Bi-weekly employer reports generated. In-platform access to participant profiles, mailed documents, and payment history maintained. In-house call center available for employer and continuant inquiries throughout the COC period.

Notices, Billing & Controls

Notices, Billing, and Reporting Controls Built Into the COC Workflow

COC administration requires disciplined controls around qualifying event notices, mailing proof, election periods, billing coupons, premium payments, short-pays, terminations, open enrollment packets, reporting, and participant support. BAS/CCS structures these workflows into a governed administration process.

  • Qualifying event notices generated, mailed, tracked with USPS proof, and archived
  • Elections, billing coupons, and premium collection administered through connected workflows
  • Short-pay, non-payment termination, and end-of-duration letters generated and mailed
  • Open enrollment packets packaged and distributed to COC continuants

COC administration is handled operationally. Legal determinations, continuation duration rules, and employer policy decisions are the responsibility of the employer and their advisors.

Where COC Administration Breaks Down

Manually Tracked Notices

HR-managed notice tracking creates missed deadlines, inadequate mailing proof records, and increased operational risk.

No Continuant Visibility

Without MyEnroll360, access to participant status, mailed documents, and payment history requires manual research and delayed response.

Premium Collection Out of Sync

Disconnected billing and collection workflows create payment gaps, short-pay exposure, and termination letter delays.

Open Enrollment Becomes Manual Work

Packaging and mailing open enrollment materials to continuants without a structured process becomes a manual HR project each renewal cycle.

Continuants Call HR Directly

Without dedicated COC support, continuants route billing, payment, and coverage questions directly to HR teams, increasing administrative burden.

Client Outcomes

Continuation of Coverage Moved Out of Manual Tracking and Into Automated Notice and Billing Workflows

A large multi-site employer moved COC notices, deadlines, and premium collection out of manual HR tracking and into BAS/CCS automated workflows.

Large Multi-Site Employer Continuation of Coverage Client

Administrators gained direct visibility into COC participant status, notice activity, payment history, and reporting in real time.

Large Multi-Site Employer Continuation of Coverage Client

COC processing became easier for HR: the team selects the termination reason, and BAS/CCS handles notices, premium collection, and related administration.

Large Multi-Site Employer Continuation of Coverage Client
Read the Full Case Study Explore More Outcomes
Operational Proof

Where COC Administration Breaks — and How BAS/CCS Resolves It

Notice Tracking Failure

Qualifying Event Notices Are Tracked Manually

HR-managed notice tracking creates inadequate mailing records and missed deadline exposure.

BAS/CCS Generates, Mails, Tracks, and Archives COC Qualifying Event Notices

  • Qualifying event notices printed, mailed, and tracked with USPS proof-of-mailing documentation
  • PDF notice archive immediately accessible in MyEnroll360 without requesting records from BAS/CCS

Continuant Visibility Failure

HR Lacks Visibility Into Continuant Status

Without centralized participant profiles, employer access to COC activity requires manual research and delayed response.

BAS Provides Access to Participant Profiles, Mailed Documents, Payment History, and Reports

  • Continuant status, election records, mailed documents, and payment history accessible in real time
  • Bi-weekly employer reports generated automatically without requiring manual data requests

Continuant Support Failure

Continuants Call HR With Billing and Coverage Questions

Without dedicated COC support, HR teams absorb billing, payment, and coverage inquiries that belong to a dedicated support team.

BAS/CCS Provides In-House Customer Service and Call Center Support for COC-Related Inquiries

  • In-house BAS/CCS call center answers 90% of calls under 20 seconds
  • Employer and continuant inquiries resolved without routing to HR teams
Common Questions

Continuation of Coverage — Frequently Asked Questions

  • BAS/CCS Continuation of Coverage administration includes account setup and configuration, implementation team support, file import and setup, recurring file processing, qualifying event letter preparation and mailing, USPS proof-of-mailing tracking, PDF notice archival, COC election tracking, billing coupon generation, premium billing and collection through bank lockbox, short-pay and termination letter workflows, open enrollment packet distribution, premium renewal updates, bi-weekly reporting, participant profile access through MyEnroll360, and in-house call center support.

Continuation of Coverage

Move Continuation of Coverage Into a Structured Notice, Billing, and Reporting Workflow

COC administration fails when notices go late, elections get missed, or billing lapses create coverage liability. BAS/CCS administers every step with documented USPS proof of mailing, a full audit trail per qualifying event, and dedicated participant support, so HR isn't the last line of defense.

Talk to BAS About Continuation of Coverage Request a COC Demo