QSEHRA Administration from Take Command Health

1. Design your QSEHRA

Get started by answering a few questions about how you'd like your QSEHRA to work. We'll create your legal plan documents and handle the paperwork and accounting for no cost. We put you in control and allow you to choose:

How much to reimburse
What to reimburse
Whether to include part-time employees
Waiting periods
When to start
+ more

Learn how to design your QSEHRA for maximum efficiency

2. We'll on-board your employees

Once your plan documents are finalized, we'll send out all of the IRS required communications to your employees, automatically.

And if employees have questions? We're here to help! We'll help employees setup their existing health plan for reimbursement or shop for a new one that covers their doctors and prescriptions. Our licensed health professionals are eager to help employees optimize their QSEHRA reimbursements.

3. Employees request reimbursement

Employees request reimbursement for insurance and medical bills (if allowed in your QSEHRA design) by snapping photos of receipts on their phone. No credit cards or complicated forms to hassle with.

We'll handle all of the record keeping and send you (and your accountant or payroll specialist) a report each month. Never hassle with receipts or worry about privacy issues or compliance!

Add "Smart Benefits" to your QSEHRA

Help your employees get more for their reimbursement dollars by adding in these "big company" benefits. Works for employees and their families!

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Call a Doctor 24/7 for $0

Get medical advice, referrals, and basic prescriptions (if needed). No cost. Powered by Teladoc ©
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Dental Discounts

Save 15% to 50% on cleanings, x-rays, crowns, fillings, orthodontics and more. Powered by Aetna Dental Access©
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Vision Discounts

Save 10% to 60% on glasses, contacts, exams, laser surgery, and more. Powered by Coast to Coast Vision©.

Personal Health Pro

A friendly expert to help employees and their families navigate healthcare

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Learn more about Smart Benefits

QSEHRA

$15

per employee, per month

+$15/mo Platform Fee

Everything you need for tax-free reimbursement (QSEHRA):

Legal Plan Documents
Employee Onboarding
Receipt Tracking
Compliance Monitoring
Tax Reporting

With some love for your employees:

Personalized Health Plan Shopping
Pharmacy Discounts
Free HSA Accounts (if eligible)
+More

QSEHRA + SMART

$30

per employee, per month

+$15/mo Platform Fee

Everything in QSEHRA plus some major upgrades for employees:

A dedicated "Health Pro":

Review and Resolve Medical Bills
Schedule Doctor Appointments
Coordinate Care & Medical Records
Answer Health Plan Questions

Big Company Benefits:

Call a Doctor 24/7 for $0
Corporate Discounts:
- Dental
- Vision

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Why haven't I heard of HRAs like this before?

It’s brand new! Health Reimbursement Arrangements (HRAs) have been around for awhile. However, QSE-HRAs are a new flavor of HRA built just for small businesses (under 50 employees) that became legal effective January 1^st, 2017 as part of the 21^st Century Cures Act. The law created a "Qualified Small Employer Health Reimbursement Arrangement" or QSEHRA. It's basically an HRA for companies under 50 full-time employees.

What's the maximum amount I can reimburse my employees through a QSEHRA?

For 2018, the maximum HRA contribution is $5,050 for single employees and $10,250 for families. These amounts will go up each year with inflation.

See our QSEHRA Guide for more information about how you can structure reimbursements.

How many employees do I need to participate? Are there any size limitations?

QSEHRA works great for employers with 1-50 employees! This is based on the IRS's definition of "full-time equivalent" (FTE) employees, so if you have over 50 employees but a lot of part-time ones, you may still qualify.

If you're a sole proprietor, QSEHRA can work for you too if you're also an employee of your business (typically if you receive a W-2).

Read more about participation requirements on our QSEHRA Guide.

Is there a minimum I have to reimburse? Can I reimburse different amounts?

There's no minimum! We typically recommend at least 50% of a Bronze plan premium in your area, but it's totally up to you. Our design experts are available to help you figure out what's competitive in your market if you'd like.

You can vary rates based on employee age or employee family status (single, couple, or family). As long as everyone that fits the criteria you set is treated fairly, you're good to go.

Part-time, contractors, and seasonal workers can be excluded. However, if you do include them, they must receive the same rate as full-time employees in the same age group or family status.

Read more about designing your QSEHRA on our online guide or contact our experts and we can help you come up with a great design to meet your goals (that's also compliant).

Can employees claim a federal tax credit and participate in the QSEHRA?

It’s an either/or scenario. Each dollar reimbursed through the QSEHRA reduces the amount of potential tax credits.

This is where our expertise and QSEHRA design experience will come in so you don’t pay money Uncle Sam would pay otherwise--We’ll help employees choose the path that gets them the best deal and saves you money.

Are QSEHRA contributions and reimbursements subject to payroll or income taxes?

Nope! As long as your QSEHRA is active and in compliance, you’re good to go. We’ll provide you with all the tax forms and reporting you and your accountant need.

When can we start a QSEHRA? Do we have to wait 90 days?

You can set up a new QSEHRA and start making reimbursements at any time.

We often get asked about the IRS's 90 day communication requirement. This is for existing QSEHRAs and intended to give your employees a heads up about renewals (so they can shop for a plan). We'll handle this for you automatically when your QSEHRA plan year is about to renew. The 90 day requirement does not apply to new QSEHRAs.

One important timing consideration: Employees need to have qualified coverage to be able to participate. If they already have their own plan or are on their spouse's plan, great! If they need to purchase a plan, they can do it during Open Enrollment (Nov and Dec) or if they qualify for a Special Enrollment (requires a qualified life change). Our design experts can help!

Note if you have a group plan: If you’re currently offer a group plan, canceling it will trigger a special enrollment period and allow your employees to purchase an individual plan.

How do I get started with Take Command Health? Is there a demo or trial?

We’re a no pressure sales kind of company. We’re happy to answer questions and even run an analysis of your QSEHRA and small group options for your business.

View a demo of our software here.

Still have questions? Please schedule a time with us, chat with us, or drop us a line at support@takecommandhealth.com.

We look forward to getting to know you!

QSEHRA Administration

We make QSEHRA setup and administration easy and automatic

Custom Design

Simple, Yet Smart

Affordable

How it works

1. Design your QSEHRA

2. We'll on-board your employees

3. Employees request reimbursement

Automatic tax-reporting and compliance

Add "Smart Benefits" to your QSEHRA

Call a Doctor 24/7 for $0

Dental Discounts

Vision Discounts

Personal Health Pro

Want to learn more about QSEHRA? Read our online guide.

Really Simple Pricing

QSEHRA

Everything you need for tax-free reimbursement (QSEHRA):

With some love for your employees:

QSEHRA + SMART

Everything in QSEHRA plus some major upgrades for employees:

A dedicated "Health Pro":

Big Company Benefits:

Backed by our Team

Want to connect with one of our QSEHRA experts?

FAQs

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