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How to enroll in COBRA if I had a MEC, MEC Plus, or MVP policy through Vitable?

If you have recently lost access to your benefits due to termination from your employer, you may qualify for COBRA continuation co...

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Written by Regina Rovira

If you have recently lost access to your benefits due to termination from your employer, you may qualify for COBRA continuation coverage. Below is a simple guide on what to expect and how to extend your benefits through COBRA.

What Happens After Termination

  1. COBRA Election Notice Sent:

    • Once Imagine360 notifies UnifyHR of your termination, UnifyHR will mail a COBRA election notice to your last known address.

    • This notice is typically sent within 3-4 days after UnifyHR is notified.

  2. What’s Included in the COBRA Election Notice:

    • Instructions on how to elect coverage and the associated costs.

    • Your assigned member number from UnifyHR.

    • Contact information for UnifyHR.

    • Steps to make an election online.

    • Payment options for your monthly premium.

How to Reinstate and Maintain Coverage

  • Reinstating Coverage:

    • After you make your first payment, UnifyHR sends a report to Imagine360, which reinstates your coverage retroactively to your termination date.

  • Making Monthly Payments:

    • Payments can be made via the following options:

      1. Online on the UnifyHR website.

      2. Monthly ACH (automatic bank transfer).

      3. By mailing a check each month.

  • Continuing Coverage:

    • As long as payments are made on time, your COBRA coverage remains active until:

      • The COBRA period ends.

      • A premium payment is missed.

      • You request to terminate the coverage.

Financial Processing

  • UnifyHR deposits the payments collected into the Vitable bank account and sends a remittance report for tracking purposes.

UnifyHR Contact Information

For assistance with COBRA coverage, you can contact UnifyHR Participant Services:

  • Mailing Address: UnifyHR
    P.O. Box 6763
    Fargo, ND 58108

  • Phone: 800-610-1738
    (Monday through Friday, 8:00 AM – 7:00 PM Central Time)

  • Email: HealthBenefitSupport@wexinc.com

By following these steps, you can ensure a smooth transition and continuation of your benefits through COBRA.

Need More Help?

If you have any questions, our support team is here to help! We're available Monday to Friday from 9 AM to 9 PM EST and on weekends from 9 AM to 5:00 PM EST. You can reach us through the following contact methods:

We’re here to support you every step of the way!

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