Understanding your benefit information is easier than you think.

Frequently Asked Questions

1. What is CoPower?
CoPower is a Third Party Administrator for Delta Dental, and VSP. CoPower was created to act as a specialized purchasing pool and benefit administrator for small employers. The development of these pools provided the benefits of large group plans to employees who would have otherwise not been eligible.

2. When are premium payments due and when is a late fee applied?
Premium payments are due on the first day of the month of coverage. There is a $20 late fee if the payment is not received by the first of the covered month or if the balance due is not paid in full.

3. What is the address to send a payment?
Checks should be made payable to “CoPower” and sent to:

CoPower
Dept. 33824
P.O. Box 39000
San Francisco, CA 94139

If you are in danger of cancellation or need to overnight a payment, send the check directly to the CoPower office address:

CoPower
1600 West Hillsdale Blvd.
San Mateo, CA 94402

4. Where is the CoPower ID number located on the invoice?
The CoPower ID number is located in upper right hand corner of the invoice.

Employees can contact the representatives below if they have a question about their plan.

Name	Extension	Responsibility
Teri Fallorina	Ext. 1745	Groups A–E, Numeric
Jacques Lafleur	Ext. 1748	Groups F–O
Wendy Baylo	Ext. 1744	Groups P–Z

5. Is there Open Enrollment?
Most of the CoPower plans do not offer Open Enrollment. All eligible employees should come on to the plan following the completion of their eligibility period (if applicable). All inquiries concerning the late enrollees should be sent directly to a CoPower GSR.

6. What happens if an employee did not enroll his/her dependents when the employee first enrolled but now wants the dependents enrolled? Can they come on at Open Enrollment?
Late enrollees must come on to the plan when they are eligible. All inquiries concerning the late enrollee issues should be sent directly to a CoPower GSR.

7. What is the difference between Cal-COBRA and Federal COBRA?

	Cal-COBRA	Federal COBRA
1	For groups with 2–19 employees. Visit the CA Department of Insurance Web site for more information.	For groups with 20+ employees. Visit the US Department of Labor Web site for more information.
2	CoPower will administer Cal-COBRA unless the employer chooses to administer it.	Employer administers COBRA plan.
3	Employees pay CoPower directly.	Employees pay their Employer directly.

**We do have some rare groups who choose to administer their own Cal-COBRA.