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COBRA is Confusing.
Getting it Fixed Shouldn’t Be.
COBRA failures create three real risks: lost time, lost money, and lost access to care.
ReOnto exists to protect all three — by taking ownership of the correction process end-to-end.
When COBRA coverage breaks, there are only a few viable paths to resolution. See what works for you:
Do it yourself
PROs
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Lowest-cost solution
CONs
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Highest time and effort required
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You must learn complex regulations, COBRA rules, timelines, and operate on a legal-adjacent level.
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You must learn carrier behavior, understand which pathways to escalate to and how.
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You must move quickly, as correction windows are time-sensitive.
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You typically only have one shot to get this right
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No guarantee of correction or outcome
Choose this option if:
You’re prepared to invest significant time, accept the risk of missteps, and manage navigating escalations and appeal packages on your own.
Hire an attorney
PROs
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Legal representation if litigation is required.
CONs
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Highest-cost option (retainers, hourly fees, and/or contingency)
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Most attorneys only accept high-value or litigation-ready cases
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Slower, adversarial escalation
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No guarantee of correction or outcome
Choose this option if:
You’re seeking formal legal action or expect litigation to be necessary, and accept significant financial risks.
Work with ReOnto
PROs
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High-touch coverage specialists who manage correction end-to-end
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Quickest option to a resolution. Non-adversarial escalation with counterparties and a team that understands the most effective navigation pathways.
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Build detailed appeal packages grounded in regulations and administrative guidance to highlight missteps and correction pathways.
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Handles coordination, documentation, escalations, and follow-up end-to-end
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Easy on your wallet. No upfront cost; fees aligned to successful corrective outcomes.
CONs
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No guarantee of correction or outcome
Choose this option if
You want an expert-led, high-touch approach to quickly resolving a coverage failure without immediately escalating to costly litigation.
Why ReOnto is the right tool for this job
COBRA coverage failures are multi-party problems. They require diagnosis, documentation, and coordinated escalation — not guesswork. Litigation is a separate path that can be appropriate in some cases — but it is often costly, adversarial, and misaligned with how coverage corrections actually occur.
ReOnto exists to manage that gap and before administrative failures become irreversible.
Here's how ReOnto manages that risk
Identify Where COBRA Broke
COBRA failures are most often administrative — and often go unnoticed until coverage is already impacted.
We determine where the process failed: notice delivery, enrollment processing, payment application, eligibility coding, or vendor handoff.
Document the Record
We gather and organize:
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COBRA notices and timelines
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Enrollment submissions and confirmations
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Payment records
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Carrier eligibility data
This creates a clear, defensible record — before gaps turn into disputes.
Restore Coverage When Possible
If correction is required:
• Coverage may be restored prospectively
• Or retroactively, when rules and documentation support it
Early action matters — retroactive fixes become harder over time.
Drive Formal Correction
When coverage should exist but doesn’t, we push for correction by:
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Coordinating across HR, vendors, and carriers
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Requiring written confirmation of status changes
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Formally escalating compliance failures when required
Our role is to own the process so issues don’t stall or disappear.
A Clear, Structured Process
1
Start With a Review
Share your story.
We assess whether your situation reflects a COBRA administrative failure and whether correction is still possible.
2
Move Forward Together
If there’s a viable path:
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We outline the correction strategy
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Confirm scope and expectations
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Begin your coverage correction process, with ReOnto managing coordination and escalation
3
Focus on Resolution
We stay engaged until:
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Coverage is corrected, or,
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The process is fully exhausted and well documented and explained
You’ll always know where things stand.
Pricing & How It Works
To get started:
$0
On successful COBRA reinstatement:
Flat fee: $500
On successful recovery of medical bills:
10% of amounts recovered
Fees apply only when successful outcomes are achieved.