Switching from employer group health insurance to an HRA solution means switching from the status quo. We understand that your employees need to feel comfortable with a change in health insurance. That starts with:
A better employee benefits solution begins here
Transitioning to a new employee benefits HRA plan requires a mission-driven focus and determination. We're committed to helping you.
Design your custom HRA with our experts
You'll spend time with our expert design team to make sure your HRA will meet all your needs.
If you have at least 50 full-time equivalent employees, then it will be important to offer them enough in reimbursements for them to afford their health insurance premiums in order to avoid any penalties from Uncle Sam.
You can separate your employees into different classes based on certain prescribed criteria (ie, location, full-time/part-time, etc), which allows you to set the right benefit for all of your employees depending on their situation.
For a company with at least 50 full-time equivalent employees, ICHRA is right for you. The QSEHRA is only allowed for smaller companies.
You should expect to hear from us within 2-5 business days. Once we receive the information needed and talk with you to understand the situation and goals, our design team will work with you to finalize a design (this typically takes a few more days).
Communication is key for your employees to get the most out of their HRA. We recommend communicating early and often. Most of our clients communicate to their employees via email, but we’ve also seen memos and brochures as well.
Here’s what you are required to communicate:
Here’s what we recommend communicating in addition to the above:
It’s easy! Your employees will receive an email from our team prompting them to log in to our platform. They do not need to create an account; we’ve already created one for them. Their username is the email address where they are receiving onboarding reminder emails from us and the one you provided for us. If they have any trouble logging in, they can chat with our team at the bottom right hand corner of their screen and we would be pleased to walk them through it.
Shopping for health insurance doesn’t have to be frustrating and confusing. The easiest way for employees to shop for health insurance is on our platform. They will be able to see all of their options in their area and pricing based on their age, family size, etc. If they get stuck, they can set up a call with our enrollment team and someone can walk them through the process. We even have bilingual support if needed!
That’s what our team is here for. They can set up a call, chat with our team at the bottom right hand corner of our website, or email firstname.lastname@example.org.
Most employees that our enrollment team helps can enroll in a plan in thirty minutes. To speed things up, they should have their doctors names and prescription information ready so we can find plans that work with their needs.
Relax. It's time to enjoy your new benefits solution.
Our team will immediately get to work supporting you with reimbursements, compliance, reporting, and answering all of your employees' questions.
We recommend pushing through tax-free reimbursements on payroll (like you’re reimbursing for travel expenses or something). We’ve seen some business owners just write checks, pay cash, or use PayPal, etc. Up to the business owner!
When your employees buy insurance, they’ll be asked to upload Proof of Coverage. Once they’ve uploaded this document and it’s been approved, then they can be set up for reimbursements.
We keep track of this for you, so you don’t have to. When you’re ready to reimburse your employees, you’ll reference your Reimbursement Statement on our portal, where we'll show you exactly how much each person is owed in a given time frame.
No problem! You can manage your employee roster through your member portal. For new hires, you can easily add them to your employee roster through your member portal. When you add your employee, you'll be asked to enter their hire date so we can determine their eligibility date, based on any waiting periods you've set. (If you do not have an eligibility wait period in your plan, then their start date & eligibility date are the same). Once you hit submit, we'll send them an invitation to onboard onto the platform and help them get started.
When an employee leaves the company, you can easily remove them from your employee roster through the member portal. You can even set our system to remove them on their last day as soon as you receive their two week notice, if you want. When you log in to your member portal, be sure you're in your Employer profile, and navigate to the Employee Roster. Click on the box next to the employee you want to remove, and then click "Remove Employee.”
We’ve built a team just for you to help you be successful. It’s aptly called the client success team and they’re solely dedicated to meeting your needs.
No hidden fees. No contracts. No matter what.
Is an HRA right for you?
Let's connect! Tell us a little bit about you, and we'll connect you with the right people.
Let's block out some time to talk through your questions and see if an HRA is a good fit.
We look forward to talking with you.
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