The HRA Strategy

• The employer sets aside a specific amount of money for employees to pay for health care expenses.
• Employers switch to less costly, higher deductible health insurance.
• Employees are reimbursed for the out-of-pocket expense through by their employer.
• Any unused funds are carried forward to future years.

Attractive to Employees

• All contributions to the plan are received tax-free.
• Employees have control over their health care choices.
• Unused dollars can be carried over from year to year.

A high deductible insurance plan and an HRA are a logical choice for employers who are willing to assume a little more risk in exchange for significant premium savings.

All Time's HRA Service Performs (AHS)

• Timely Reimbursements – requests and checks are processed daily.
• Reporting of Accounts – An account report is printed on each reimbursement check.
• Superior Funding – As the TPA, AHS fronts the reimbursement funds – not the employer.
• Compliance – AHS maintains the Plan Document, distributes the SPD and performs adjudication.