COBRAGuard Review
COBRAGuard is a COBRA administrator from Mission, Kansas that publishes its prices: from $0.85 per COBRA-eligible employee a month with a $29.95 minimum, with notices mailed within three days and proof of mailing.
- Company size
- Small businesses, mid-market companies, enterprises2
- Pricing model
- Per employee3
- Free trial
- Yes4
Best for
- Small employers that want a known monthly COBRA fee before a sales call
- Public entities and hospitals that want a dedicated account specialist
- Employers that report events through a web form or an FTP data feed
Not ideal for
- Plans whose participants expect a mobile app
How we evaluated COBRAGuard
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
COBRAGuard publishes its COBRA prices: COBRATrak Plus at $0.85 per COBRA-eligible employee a month with a $29.95 minimum, or Premium at $1.50 with a $39.95 minimum and no per-letter fees. It mails notices within three days with proof of mailing and remits premiums twice a month. It is less suited to buyers who want a participant mobile app or a published SOC 2 report.
Strengths
Published prices
Per-employee rates, minimum fees and per-letter fees are on the pricing page.
Evidence: Price transparency: Published1
Fast notice mailing
Notices are mailed within three days, with proof of mailing on every letter.
Evidence
Key features: COBRA notices printed and mailed within three days, 100 percent proof of mailing on every letter, Premium trust account through Bank of America Treasury Services, Premium remittance twice a month, COBRA files and records kept for 7 years, 100 percent compliance guarantee5
Carrier courtesy notices
Carriers receive courtesy notices of events, elections and terminations.
Evidence: Carrier eligibility updates: Yes5
Premium trust account
Premiums are collected at a lockbox and held in a trust account at Bank of America.
Evidence
Key features: COBRA notices printed and mailed within three days, 100 percent proof of mailing on every letter, Premium trust account through Bank of America Treasury Services, Premium remittance twice a month, COBRA files and records kept for 7 years, 100 percent compliance guarantee5
Weaknesses
Letter fees on Plus
The lower Plus rate adds a fee for each notice mailed.
Evidence
Extra costs: COBRATrak Plus per-letter fees: takeover $10, general rights notice $5, election notice $8, early termination notice $5, HIPAA certificate or notice $3, Premium Service Pack fee of $12.00 a month shown on the online quote3
Weekday phone hours only
Phone support runs 8 a.m. to 5 p.m. CDT on weekdays.
Evidence
Support hours: Employer and participant phone support 8 a.m.-5 p.m. CDT, Monday-Friday5
Price at a glance
COBRAGuard cost at 10 to 100 employees
- COBRATrak Plus$0.85/employee/mo
- COBRATrak Premium$1.50/employee/mo
| Employees | COBRATrak Plus | COBRATrak Premium |
|---|---|---|
| 10 | $8.50/mo | $15/mo |
| 25 | $21.25/mo | $37.50/mo |
| 50 | $42.50/mo | $75/mo |
| 100 | $85/mo | $150/mo |
Monthly list price before discounts, add-ons and taxes, from the published price model of each plan.
Quick answers
- How much does COBRAGuard cost?
- COBRATrak Plus costs $0.85 per COBRA-eligible employee a month with a $29.95 minimum; COBRATrak Premium costs $1.50 with a $39.95 minimum.Based on Starting base fee: $29.95/mo1
- What is the difference between COBRATrak Plus and Premium?
- Premium includes the COBRA letters in its $1.50 rate; Plus charges $0.85 plus a fee per letter, such as $5 for a general rights notice and $8 for an election notice.
- Does COBRAGuard charge per COBRA notice?
- Only on COBRATrak Plus: takeovers cost $10, general rights notices $5, election notices $8, early termination notices $5 and HIPAA letters $3 each.Based on Extra costs: COBRATrak Plus per-letter fees: takeover $10, general rights notice $5, election notice $8, early termination notice $5, HIPAA certificate or notice $3, Premium Service Pack fee of $12.00 a month shown on the online quote3
- How long is a COBRAGuard contract?
- Its online proposal lets you choose a term of one to five years; the annual administrative fee is waived.Based on Contract term: Annual3
Coverage of core COBRA administration capabilities
Each core capability we evaluate in COBRA Administration, checked against COBRAGuard’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
Specifications
Where it ranks
- #1 of 6 scoredCOBRA Administration
- #1 of 5 scoredCOBRA Administration for Enterprises
- #1 of 1 scoredCOBRA Administration for Government
- #1 of 2 scoredCOBRA Administration for Healthcare
- #1 of 5 scoredCOBRA Administration for Mid-Sized Companies
- #1 of 5 scoredCOBRA Administration for Small Business
COBRAGuard alternatives
BPAS80% similar
CobraHelp80% similar
HealthEquity80% similar
WEX80% similar
Ameriflex50% similar
Employee Benefits Corporation50% similar
Support
COBRAGuard: frequently asked questions
How fast does COBRAGuard mail COBRA notices?
COBRAGuard prints and mails the notices in three days or less and keeps proof of mailing for every letter.
Does COBRAGuard serve public entities?
Yes. It has a COBRA program for public entities and government organizations, with a dedicated account specialist and custom data output feeds.
Where is COBRAGuard based?
COBRAGuard is run by iTEDIUM, Inc., headquartered in Mission, Kansas; employer and participant phone support runs 8 a.m. to 5 p.m. CDT on weekdays.
What are the best alternatives to COBRAGuard?
In our COBRA administration ranking, the highest-scored products other than COBRAGuard are BPAS, Ameriflex, and HealthEquity. Compared side by side, by reason to switch: COBRAGuard alternatives.
What are the pros and cons of COBRAGuard?
Strengths documented on the vendor’s own pages: published prices, fast notice mailing, and carrier courtesy notices. It is less suited to plans whose participants expect a mobile app.
Is COBRAGuard good for small businesses?
COBRAGuard lists small businesses among the company sizes it is built for (small businesses, mid-market companies, and enterprises); for 10 employees its list prices come to $29.95 a month. It ranks #1 of 5 in our COBRA administration for small businesses.
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 Oct 24, 2026.
Method
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Independent review
Not reviewed yet by our independent reviewer. How we review
Hands-on testing
We have not tested COBRAGuard 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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COBRAGuardLeadChange Score 9.6
Sources
The 7 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
- COBRAGuard cobraguard.net/pricing/dlpdf.php?Lives=0&Term=2“Base Charge Per COBRA Eligible Employee $1.50 $0.85 Minimum Monthly Fee $39.95 $29.95”
- COBRAGuard cobraguard.net/solutions“COBRAGuard's COBRA administration program does just that - for employers of all sizes.”
- COBRAGuard cobraguard.net/pricing“Base Charge Per COBRA Eligible Employee $1.50 $0.85” “Premium Service Pack Fee $12.00 $12.00”
- COBRAGuard cobraguard.net/about“You can test-drive our services, risk-free, for the first 90 days – all with our low price guarantee and seamless transition services.” “While smaller companies typically submit events and information via our Web-based interface, larger companies often upload electronic data feeds through our secure FTP server.”
- COBRAGuard cobraguard.net/how-it-works“In three days or less, we print, stuff and mail all of the necessary COBRA notices from our facilities.” “We're available to assist you between 8 a.m. and 5 p.m. CDT, Monday through Friday.”
- COBRAGuard cobraguard.net/solutions/public_entities“COBRA for Public Entities and Government: Saving you time and money!”
- COBRAGuard cobraguard.net“Need help? Send an e-mail or call 1-800-44-COBRA.”