Frequently Asked Questions

1. What is CoPower?
CoPower is a Third Party Administrator for Ameritas, 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 last weekday of the month prior to coverage. There is a $20 late fee if the payment is not received by the 4th 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 a group is in danger of cancellation or needs to overnight a payment, the check should be sent directly to the CoPower office address:

CoPower
1600 West Hillsdale Blvd.
San Mateo, CA 94402

4. Where do I send my Remittance Report once it is filled out?
Due to the time sensitive nature of these documents, Remittance Reports should be faxed immediately to 650-348-1149. They may also be sent via email in PDF format to any of the CoPower Group Service Representatives (GSRs) listed below:

Groups should also contact the representatives below if they have a question about their plan.

5. What happens when a group falls below 5 enrollees?
A group must maintain a minimum of 5 enrollees to keep a group active. If the group falls below 5 enrollees, they are given 3 months to bring their numbers to 5 or risk cancellation.

6. Is there another plan a group can go on when they cannot come up with 5 enrollees to keep their plan in effect?
The group should contact their broker directly for a list of eligible group or individual plans.

7. 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 CoPower.

8. 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?
Eligible employees and their dependents must come on to the plan when they are eligible. All inquiries concerning the late enrollee issues should be sent directly to the CoPower GSR unit.

9. What is the difference between CalCOBRA and Federal COBRA?

**We do have some rare groups who choose to administer their own CalCOBRA.