20 -100 life groups
Clients with 20 or more enrolling lives have several reimbursement options, highlighted below.
HRA Option Package One: Deductible-Only HRA
The employer selects a reimbursement percentage to apply to the single and two person/family deductible. Within this package, the employer chooses whether the employee pays first for any incurred claims or the HRA pays simultaneously.
HRA Option Package Two: Deductible and Coinsurance HRA
The employer sets a common percentage to cover both deductible and coinsurance liability; i.e. 50% or 100% of the deductible and coinsurance. The percentage must be universal for both deductible and coinsurance. The employer can choose whether the HRA pays simultaneously or the employee pays first for this HRA option, as well.
101 + life groups
A variety of custom HRA plan designs options can be built for groups with 101 or more enrolling lives. These options include using an HRA to reimburse for deductibles, coinsurance amounts, copays, pre-certification penalties, and, for dental plans, amounts over reasonable and customary.
For more information, contact your ABS sales Representative or click here for a quote request form.