The HRA Specialists
Marin Benefits Administrators is a boutique, woman-owned third-party administrator specializing in employer-funded HRAs and reimbursement benefits.
Health Reimbursement Arrangements are not one product among many for us. They are our core business.
We design and administer benefits that help employers control healthcare spending while giving employees meaningful help with the costs their health plan leaves behind.
HRAs and the benefits built around them. Nothing else.
What We Administer
Our expertise is employer-funded reimbursement benefits built around the HRA: standard HRAs paired with a group health plan, ICHRAs and QSEHRAs for employers funding individual coverage instead, and retiree HRAs. Alongside those we run limited purpose dental and vision plans, lifestyle and wellness accounts, and taxable reimbursement programs.
HRA plans
HRA
Pairs with a group health plan to reimburse deductibles, copays and other qualified medical expenses.
ICHRA
Funds individual health insurance for employees instead of a traditional group plan.
QSEHRA
For eligible small employers with no group plan. Reimburses individual coverage and qualified medical expenses.
Retiree HRA
Employer-funded healthcare reimbursement after an employee retires.
Other employer-funded benefits
Limited purpose dental and vision
Reimburses eligible dental and vision expenses under an employer-defined benefit.
Lifestyle and wellness
Supports employer-defined benefits for fitness, wellbeing and other lifestyle expenses.
Taxable reimbursement
Extends reimbursement to employer-approved expenses that do not qualify for tax-free treatment.
Family Formation
Building a family can come with significant costs, and even when a medical plan includes fertility coverage, important expenses can still fall outside the plan.
A family formation benefit gives employers a way to help fill those gaps. The employer chooses the benefit amount and the expenses it wants to support.
Depending on the expense and plan design, reimbursement may be tax-free or taxable. We handle the administration, claims review, substantiation and reimbursement, while keeping the different tax treatments clear.
Why Employers Come to Us​
Healthcare spending is often presented as a tradeoff. Reduce the employer's cost and employees take on more. Improve the benefit and the renewal gets more expensive.
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An HRA gives employers another option.
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Instead of putting every healthcare dollar into premium, an employer can pair its group health plan with a defined reimbursement benefit behind it. Employer dollars go toward expenses employees actually incur, up to limits the employer controls.
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Employees get help with out-of-pocket costs they would otherwise carry themselves. Employers gain more control over what they spend.
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Our benefits work when both employers and employees win. That is the only kind we build.
How We Work​​​​
Kindness
Accountability
Transparency
Sustainability
Kindness
Benefits are personal. A medical bill is stressful enough without having to chase someone for an answer. We pick up, and we follow through.
Accountability
We own the answer. If something goes wrong, we explain what happened and what we are doing to fix it.
Transparency
Plan rules, timelines and decisions should not require a benefits degree to understand. We put them in writing and explain them in plain language.
Sustainability
We default to paperless administration and are a certified Bay Area Green Business.
The people
Technology handles the transaction. People handle the relationship.​ There is no giant call center and no handoff after implementation. We work with our clients from initial plan design through enrollment, day-to-day administration and every renewal that follows.
What We Stand For
Four commitments guide how we work.
The technology
Our plans run on the Alegeus platform. Members can submit claims online, receive reimbursements by direct deposit and, when included in the plan, pay eligible expenses with the Marin Benefits Debit Mastercard. Administration can be entirely paperless.
Fertility treatment
Treatment, medication and related clinical expenses, coordinated with the employee's medical coverage.
Fertility preservation
Egg, sperm and embryo retrieval, freezing and storage, including expenses that fall outside federal medical-expense rules.
Adoption
Agency, legal, home study, placement and other employer-approved adoption expenses.
Surrogacy
Employer-defined agency, legal, carrier and related expenses, administered with the appropriate tax treatment.
Why work with Marin Benefits?
At Marin Benefits we specialize in designing and administering creative HRA plans that best fit your unique organization. By choosing to partner with Marin Benefits you will always receive:
HIPAA, ERISA, and IRS compliant plan designs
Partnership through all phases of plan implementation and operation
Knowledgeable and friendly customer service
ACH funding and scheduled reporting make administration easy
Automated enrollment processing with EDI feed compatibility
Secure Online Member Portal for paperless account management
Work With Us​
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Tell us about your group, your health plan and what you are trying to accomplish.
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We will show you where an HRA or employer-funded reimbursement benefit could fit, what it would cost and what the experience would look like for your employees.