Health Reimbursement Arrangements (HRA) Administration

Employer-funded Health Reimbursement Arrangements offer significant savings, greater control and more choice in your employer-sponsored health plan.

The value of a Health Reimbursement Arrangement

An HRA offers specific advantages over other tax-advantaged consumer-directed health care (CDHC) plans by helping employers offset the rising cost of health care while also maintaining greater control over your plan contributions and design.

• Significantly reduce taxes for your organization and your employees.
  Reimbursements through your tax-advantaged Health Reimbursement Arrangements are tax deductible for you as the employer and tax exempt for your employees. You save up to 10% on payroll taxes for every dollar you contribute to your employees' HRA plans.
  
• Design your plan to meet your needs.
  Decide what types of expenses your HRA plan will reimburse, the amount you'll offer to each employee annually for eligible reimbursements, and whether employees may roll over any unused HRA balance from year to year.
• Control your cash flow.
  Keep your HRA-allocated funds in an interest-bearing account until they are used.
• Attract and retain better talent.
  Today's top employees are interested now more than ever in plans that help them save money. An HRA is 100% employer-funded, so although it also helps you save money, your employees will see it as a generous gift of savings and better health.
• Contain health care costs.
  Your consumer-driven HRA encourages your employees to make smarter health care and lifestyle choices that can offset rising health care costs now and in the future.

The Ceridian advantage

• Customized. Our configurable system accommodates your preferences on rollovers, HRA copays and deductibles, wellness incentives, stacking with other consumer-directed plans such as Flexible Spending Accounts (FSAs), and more.
• Convenience. Our Ceridian Benefits Card, a benefits debit card linked directly to your Health Reimbursement Arrangements, allows for fast and easy reimbursement at the point of purchase. We also offer online, fax and mail claim submission options.
• Compliance. Our experienced team of legal experts helps you stay compliant with HIPAA as well as new regulations such as those in health care reform and Medicare Secondary Payer (MSP) reporting.
• Focus. Our participant toolkit, online self-service Web portal and customer service center answer your employees' questions on claims submission, qualified expenses and more, so your staff can focus on core business functions.
• Experience. Trust one of the most experienced providers of human resources and benefits administration to manage your Health Reimbursement Arrangements (HRA) program.
• Cost-effectiveness. Your tax savings often cover the cost of administration, and there are no hidden account or transaction fees for your employees.

Part of an integrated CDHC solution

An HRA is an ideal transition into consumer-directed health care (CDHC). By combining your Health Reimbursement Account with other consumer-driven accounts such as Health Savings Accounts (HSA), you can empower your employees to take more responsibility for their health and health care spending. With Ceridian, you can set customized plan stacking rules, and your employees can access funds from multiple CDHC plans using the same convenient Ceridian Benefits Card.

To learn more about Ceridian's full suite of consumer-directed health care solutions, including Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA), call 800-729-7655 or complete the form on the right.

Related Services
See the differences between FSA, HSA and HRA  |  Consumer-Directed Health Care Plans
Flexible Spending Accounts (FSA)  |  Ceridian Benefits Card  |  Health Savings Accounts (HSA)