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Ameriflex Review

Ameriflex is a benefits administrator in the A.E. Perkins family of companies that runs COBRA with online elections and payments, carrier termination notices and premiums remitted by the 15th of the following month.

Pricing model
Quote only
Integrations
70
Deployment
Cloud

Best for

  • Employers that want documented COBRA timelines and portal steps before they buy
  • Groups that also run FSA, HSA or HRA plans with Ameriflex
  • Participants who want Saturday support hours

Not ideal for

  • Buyers who want a published fee and no deduction from remittances
By LeadChange Research TeamUpdated
How we evaluated Ameriflex

This review rests on 12 facts checked against Ameriflex’s official pricing pages and documentation, most recently on . We did not test the product hands-on: the score and the pros and cons use only those verified facts, as our methodology explains, and third-party ratings are quoted, never scored.

Our verdict

Ameriflex, part of the A.E. Perkins companies, runs COBRA on a platform whose help center documents each step: initial notices mailed the next business day, online elections and payments, carrier termination notices and premiums remitted by the 15th. It lists 70+ EDI integrations and holds employers harmless for its negligence. It is less suited to buyers who want a published fee: an employer processing fee is set per agreement and deducted from remittances.

Strengths

  • Documented process

    Notices, elections, remittance dates and reports are explained step by step in a public help center.

    Evidence: Key features: Employers held harmless for negligence by Ameriflex, Initial rights notices generated overnight and mailed the next business day, Election packet generated the business day after a qualified beneficiary is entered, Premiums remitted by the 15th of the following month, Monthly remittance report around the 9th, 70+ EDI integrations

  • 70+ EDI integrations

    EDI and carrier integrations for eligibility data.

    Evidence: Native integrations: 70

  • Held harmless

    Employers are held harmless for any negligence by Ameriflex.

    Evidence: Key features: Employers held harmless for negligence by Ameriflex, Initial rights notices generated overnight and mailed the next business day, Election packet generated the business day after a qualified beneficiary is entered, Premiums remitted by the 15th of the following month, Monthly remittance report around the 9th, 70+ EDI integrations

  • Saturday support

    Participant lines open on Saturday mornings, with chat and email.

    Evidence: Support hours: Participants Monday-Friday 7:00 AM-8:00 PM and Saturday 9:00 AM-1:00 PM CST

Weaknesses

  • Processing fee on remittances

    An employer fee set per agreement is deducted from remitted premiums.

    Evidence: Extra costs: Employer COBRA processing fee: a percentage of the base premium set in the service agreement (3% in Ameriflex’s worked example), deducted from remittances, 3% convenience fee on participant credit or debit card payments

  • Carrier bills stay with the employer

    Ameriflex does not pay carrier invoices.

    Evidence: Premium remittance: Yes

Price at a glance

  • Pricing model

    Quote only

Ameriflex plans and prices

Quick answers

How much does Ameriflex COBRA administration cost?
Ameriflex sets its COBRA fees in each service agreement, including an employer processing fee taken as a percentage of the base premium.Based on Pricing model: Quote only
What is the Ameriflex COBRA processing fee?
An employer-level fee, a percentage of the base COBRA premium set in the service agreement, deducted from premium remittances; Ameriflex’s worked example uses 3%. It cannot be passed to participants.Based on Extra costs: Employer COBRA processing fee: a percentage of the base premium set in the service agreement (3% in Ameriflex’s worked example), deducted from remittances, 3% convenience fee on participant credit or debit card payments
When does Ameriflex remit COBRA premiums?
By the 15th of the month after payments are received; the monthly remittance report is generated around the 9th.Based on Premium remittance: Yes
Does Ameriflex tell carriers when COBRA ends?
It emails a carrier notice of termination to each plan’s enrollment contact; the employer’s enrollment contact then updates the carrier.Based on Carrier eligibility updates: Yes

Coverage of core COBRA administration capabilities

Each core capability we evaluate in COBRA Administration, checked against Ameriflex’s own documentation. “Not verified yet” means we have not confirmed it either way, not that it is missing.

9 verified of 10 core capabilities

COBRA Administration

  • Qualifying event intake
  • General notices
  • Election notices
  • Participant elections and portal
  • Premium billing and collection
  • Premium remittance
  • Carrier eligibility updates
  • Coverage period tracking
  • State continuation administration · not verified yet
  • Notice and payment audit trail

Specifications

Pricing

Price transparency
Quote only

Product

Modules
COBRA administration, FSA, HSA, HRA, ICHRA, Lifestyle spending accounts, Commuter benefits, Dependent care accounts

Ameriflex alternatives

Ameriflex alternatives

Implementation and support

Support channels
Phone, email, chat
Support hours
Participants Monday-Friday 7:00 AM-8:00 PM and Saturday 9:00 AM-1:00 PM CST

About Ameriflex

Headquarters
Carrollton, TX, US
Ownership
Subsidiary
Parent company
A.E. Perkins

Official profiles

All Ameriflex products

Ameriflex: frequently asked questions

Does Ameriflex pay carrier bills for COBRA participants?

No. The employer keeps paying carrier invoices and is reimbursed through the monthly COBRA remittance.

Who is Ameriflex owned by?

Ameriflex is part of the A.E. Perkins family of companies, with its corporate office in Carrollton, Texas.

What are Ameriflex participant support hours?

Monday to Friday 7:00 AM to 8:00 PM and Saturday 9:00 AM to 1:00 PM CST, by phone, email or chat.

What is Ameriflex used for?

Ameriflex is a COBRA administration product. Its modules include COBRA administration, FSA, HSA, HRA, and 4 more.

Is Ameriflex legit?

Ameriflex is sold by the company of the same name, which is headquartered in Carrollton, TX, US and is part of A.E. Perkins.

What are the best alternatives to Ameriflex?

In our COBRA administration ranking, the highest-scored products other than Ameriflex are BPAS, Rippling, and HealthEquity. Compared side by side, by reason to switch: Ameriflex alternatives.

What are the pros and cons of Ameriflex?

Strengths documented on the vendor’s own pages: documented process, 70+ EDI integrations, and held harmless. It is less suited to buyers who want a published fee and no deduction from remittances.

What does Ameriflex integrate with?

Ameriflex lists 70 integrations.

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