What happens if a a Qualified Beneficiary (COBRA eligible employee or dependent) sends in the election form without any payment?

As per law, if an enrollment form is received without the initial premium payment, they receive an additional 45 days in which to pay all premiums (retroactive to termination date). Upon receipt of an enrollment form without payment, Surency will send out an enrollment confirmation letter notifying the Qualified Beneficiary that we received their form as well as the specific date by which all back premiums must be paid to avoid termination. We also include premium payment coupons and remittance envelopes with this notice.

Should a Qualified Beneficiary fail to make payment by the deadline, we follow the same procedure that we do for a Qualified Beneficiary who ignores the initial notice entirely.

What happens if a Qualified Beneficiary ignores the COBRA notice?

A letter will be sent to the Qualified Beneficiary confirming that their right to elect COBRA coverage has expired. This notice will specify the date their “active” coverage terminated and will also include an additional HIPAA certification.

Who does the Qualified Beneficiary, their medical provider or health plan representative call with questions about COBRA?

It is our goal to be the primary contact for all COBRA related questions. Our processors work hard to solve problems so that you don’t have to get involved later.

We put our local and toll free phone number on all correspondence and each letter includes the name and direct extension of the processor actually doing the daily work. Our processors continually cultivate relationships with plan vendors throughout the country. A Qualified Beneficiary that may have gotten the “run around” from other plan vendors will discover that Surency is their advocate in solving problems that used to require your involvement.

Do the dependents of a Qualified Beneficiary get a separate notice?

Surency will send a separate COBRA notice each time we are notified that a dependent Qualified Beneficiary has lost coverage. This includes dependent children exceeding the maximum eligible age, divorcing spouses and spouses of deceased employees. As an extra protection, we can also send a separate notice to spouses of terminating employees. 

What about the HIPAA certification notice required at the same time of notifying Surency that a Qualified Beneficiary (COBRA eligible employee or dependent) has been terminated?

Surency will produce and send the required HIPAA Certification Notice in the same envelope as the qualifying event notice. Once a Qualified Beneficiary’s COBRA coverage ends, we will also send an updated HIPAA Certification Notice. Surency provides this service at no extra charge to our clients.

What happens after I notify Surency that a Qualified Beneficiary (COBRA eligible employee or dependent) has been terminated?

We will immediately enter the information into our database and mail a "qualifying event notice" informing the Qualified Beneficiary of their COBRA rights. This letter will include the name, address and phone number of a specific Surency processor for them to contact with any questions they might have. A separate election form will be enclosed with instructions to mail the form to Surency.

How do I notify Surency that a Qualified Beneficiary (COBRA eligible employee or dependent) has been terminated?

You may notify us by mail, fax, email or electronic file. 

Do you offer laser vision correction coverage?

Surency Vision offers a laser vision discount. With Surency Vision, you can save at LasikPlus®, TLC Laser Eye Centers and The LASIK Vision Institute. 

Will I receive an ID card? How can I obtain a replacement ID card?

Surency vision provides two ID cards in the subscriber’s name, but you are not required to have it at the time of service. Your optometrist’s office can view your benefits if you provide your social security number or member identification number.

If you need replacement ID cards or extras for your family, you can print replacement cards from the secure Member Account or download the Surency Vision mobile app through the App Store or Google Play to pull up a mobile ID card anytime, anywhere. The card will have the primary subscriber’s name on them, but it can be used for any covered member.