Ameriflex Review
Ameriflex, in the A.E. Perkins family, administers FSA, HSA, HRA and other benefit accounts and COBRA. This review covers its COBRA service: online elections and payments, carrier termination notices and remittance by the 15th.
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
- Employers whose former employees need evening and Saturday help
Not ideal for
- Buyers who want a published fee and no deduction from remittances
How we evaluated Ameriflex
This review rests on the 16 facts this page shows, each checked against the source listed under “Sources”, most recently on . We did not test the product hands-on: the score uses only those verified facts, as our methodology explains; third-party ratings, where we quote them, never count in the score.
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 integrations4
70+ EDI integrations
EDI and carrier integrations for eligibility data.
Evidence: Native integrations: 70+2
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 integrations4
Saturday support
Participant lines open on Saturday mornings, with chat and email.
Evidence
Support hours: Employers and producers Monday-Friday 7:30 AM-4:30 PM CST; participants Monday-Friday 7:00 AM-8:00 PM and Saturday 9:00 AM-1:00 PM CST5
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 remittances1
Carrier bills stay with the employer
Ameriflex does not accept or pay carrier invoices; the employer pays them and is reimbursed through remittance.
Evidence: Premium remittance: Yes6
State continuation in two states
State continuation is offered in Arizona and Colorado; the COBRA guide names no other state.
Evidence: State continuation administration: Yes7
Price at a glance
Quick answers
- How much does Ameriflex COBRA administration cost?
- Ameriflex publishes no COBRA rate card: fees are set in each employer's service agreement, including an employer processing fee taken as a percentage of the base COBRA premium and deducted from remittances.Based on Pricing model: Quote only1
- 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 remittances1
- Does Ameriflex administer state continuation?
- In Arizona and Colorado: Ameriflex says it now offers state continuation in those two states, and its COBRA guide names no other state.Based on State continuation administration: Yes7
- Does Ameriflex charge COBRA participants a card fee?
- Yes. Participants who pay their COBRA premium by credit or debit card are charged a 3% convenience fee, which does not count toward the balance due.Based on Premium billing and collection: Yes8
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.
10 verified of 10 core capabilities
Specifications
Ameriflex integrations
10 integrations we document, by how they connect or as the vendor names them. Ameriflex says it has 70+ integrations.
Named by the vendor
- ADP
- BambooHR
- Bswift
- Businessolver
- Paychex
- Paycom
- Paycor
- Paylocity
- PlanSource
- Workday
Where it ranks
- #3 of 6 scoredCOBRA Administration
Ameriflex alternatives
Employee Benefits Corporation
BPAS70% similar
CobraHelp70% similar
HealthEquity70% similar
WEX70% similar
COBRAGuard50% similar
Support
About Ameriflex
Official profiles
Ameriflex: frequently asked questions
Does Ameriflex pay carrier bills for COBRA participants?
No. Ameriflex does not accept or pay carrier bills or invoices: the employer pays them as usual and is reimbursed through the 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, and is it an insurer?
Ameriflex administers employer benefit accounts (FSA, HSA, HRA, ICHRA, commuter and dependent care) and COBRA. Coverage stays with the employer's health plan and its carriers, whose bills the employer keeps paying. This review covers its COBRA service.
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 COBRAGuard, BPAS, 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 says it has 70+ integrations. Documented examples include ADP, BambooHR, Bswift, Businessolver, and 6 more.
How this page was made
What it is built from
16 verified facts, each checked against the vendor's own pages or another primary source, most recently on Nov 7, 2026.
Method
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Independent review
Our independent review of Nov 7, 2026 asked for changes. How we review
Hands-on testing
We have not tested Ameriflex hands-on: this page uses public information only.
Who made it
The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us
Independence and errors
Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction
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AmeriflexLeadChange Score 7.0
What changed
PricingWe no longer list 1 extra cost for Ameriflex.
FeaturesWe no longer list Lifestyle spending accounts in Ameriflex’s modules.
PublishedFirst published.
Sources
The 17 pages this page's facts come from. The date beside each is our last check of the facts taken from it (the oldest, when they differ). The numbers beside the figures above link here.
Quotes from the sources
- Ameriflex myameriflex.crunch.help/en/new-cobra-platform/cobra-processing-fee“The processing fee is calculated as a percentage of the base COBRA premium in accordance with your organization's service agreement.” “Ameriflex applies an Employer COBRA Processing Fee to support the ongoing maintenance, security, and operational compliance of our COBRA administration platform.”
- Ameriflex myameriflex.com/about/partners-integrations“With 70+ EDI integrations and a wide network of carrier integrations”
- Ameriflex myameriflex.crunch.help/en/new-cobra-platform/access-the-ameriflex-cobra-portal“This article provides step-by-step instructions on accessing the new COBRA platform within the Ameriflex Employer Portal.”
- Ameriflex myameriflex.com/benefit-programs/cobra“Employers are held 100% harmless for any negligence by Ameriflex.” “Ameriflex administers all of the required notifications, billings, and collections as required by the DOL and the IRS.”
- Ameriflex myameriflex.com/contact-2“Available Monday – Friday: 7:00 AM to 8:00 PM and Saturday: 9:00 AM to 1:00 PM CST Clients & Producers: 844.423.4636 Available Monday – Friday: 7:30 AM to 4:30 PM CST” “To begin a chat conversation with one of our representatives, click the dark blue chat bubble in the bottom right corner of your screen.”
- myameriflex.crunch.help myameriflex.crunch.help/en/new-cobra-platform/does-ameriflex-pay-carrier-bills-new-platform
- Ameriflex myameriflex.com/resources/guides/cobra-ultimate-guide
- myameriflex.crunch.help myameriflex.crunch.help/en/new-cobra-platform/make-a-cobra-premium-payment-in-the-participant-portal
- myameriflex.crunch.help myameriflex.crunch.help/en/new-cobra-platform/add-a-qualified-beneficiary
- myameriflex.crunch.help myameriflex.crunch.help/en/new-cobra-platform/add-an-eligible-plan-member-epm-to-generate-initial-rights-notice
- Ameriflex myameriflex.crunch.help/en/new-cobra-platform/what-is-the-cobra-timeline“Note: You can establish an EDI feed to reduce the time spent entering members into the system.”
- myameriflex.crunch.help myameriflex.crunch.help/en/new-cobra-platform/make-a-cobra-election-new-platform
- myameriflex.crunch.help myameriflex.crunch.help/en/new-cobra-platform/should-the-participant-stop-paying-their-cobra-premiums-does-ameriflex-notify-the-carrier-new-platform
- myameriflex.crunch.help myameriflex.crunch.help/en/new-cobra-platform/view-cobra-communications-and-letters-new-platform
- Ameriflex myameriflex.com/about“As part of the A.E. Perkins family of companies, we share a commitment to innovation, integrity, and transparency in everything we do.”
- Ameriflex myameriflex.com/partners“With 70+ EDI integrations and a wide network of carrier integrations, you can experience peace of mind knowing your clients’ data will be transferred securely and quickly.”
- Ameriflex myameriflex.com/security-privacy-terms-conditions“Ameriflex maintains a comprehensive HIPAA Privacy/Security Policy and an FTC Red Flags policy. Ameriflex uses an internal HIPAA committee led by a corporate HIPAA Privacy/Security officer.”
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