HRA Lines of Service
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Group Coverage Health Reimbursement Arrangement (Integrated HRA)
A Group Coverage or Integrated HRA is paired with group health insurance and provides reimbursement for employee out-of-pocket medical expenses. Unlike an HSA, employers have full control to determine reimbursement allowances and what expenses are eligible under the HRA. Employers only pay when employees incur eligible expenses, and reimbursements are tax advantaged for both. A Group Coverage HRA can help reduce overall group medical costs while offering a superior benefit and first-dollar coverage for plan participants.
Specialized Health Reimbursement Arrangements
Our Specialized Health Reimbursement Arrangements can be customized to reimburse any IRS 213(d) allowed medical expense(s), including services employees encounter that are often not covered robustly by traditional group health plans such as behavioral health, autism support, chiropractic, acupuncture, physician referred massage therapy, hearing aids, vision surgery, dental night guards, or even purchasing a guide dog.
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Fertility, Adoption and Surrogacy Assistance Plans
Benefit programs for family growth are an increasingly frequent request from top employers. A Fertility Assistance HRA works alongside employer-sponsored health insurance to reimburse for IRS-eligible fertility services. Adoption and/or Surrogacy Benefits may also be created within IRS guidelines and cover a broader array of family growth options. Self-funding any of these plans enables larger maximum benefits to be delivered directly to members seeking care from their trusted provider worldwide.
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Individual Coverage Health Reimbursement Arrangements (ICHRA)
Individual Coverage HRA (ICHRA) plans allow employers of all sizes to offer coverage outside of a traditional group health plan and instead provide funding for employees to buy individual-market insurance. ICHRAs are flexible and may be scaled for multiple employee classes. The ICHRA design may also include coverage for any IRS 213(d) qualified health expenses. ICHRA plans can be a great solution for employers looking to provide comparable benefits for employees working out-of-state.
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Qualified Small Employer Health Reimbursement Arrangements (QSEHRA)
Employers with fewer than 50 full-time employees and who don't offer group health coverage can provide for their employees’ medical insurance and qualified medical expenses through a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA). A QSEHRA has annual contribution limits and can cover the cost of any IRS 213(d) qualified health expense, and pay for individual medical, dental, and vision insurance premiums.
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Retiree Health Reimbursement Arrangements
Retiree HRA plans are designed to support former employees during their retirement and to help employers satisfy their commitments to them. A Retiree HRA can be designed to reimburse retirees for personal health insurance premiums, including Medicare and Medicare Supplemental benefit costs, and out-of-pocket medical expenses.
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Limited Purpose Health Reimbursement Arrangements: Dental & Vision
A Limited Purpose HRA will exclusively reimburse eligible dental and/or vision care expenses without the usual deductibles, exclusions and restrictions of a traditional group plan. The HRA may be paired with traditional dental and vision insurance to cover out-of-pocket expenses. This plan can also be combined with a Group Coverage HRA on the same benefit card for a streamlined participant experience.