The Proposed HRA Plan
Page 23
• With the employer premium savings you can:
– Create a Linked HRA to reimburse only expenses
applied to the deductible
– Based on the premium savings and number of
Risk Units you can create these types of plan
options:
•Coinsurance
•Employee Deductible then coinsurance
•CoPay options (not often designed but
implemented to help ease the pain of change)
– May be beneficial to create a second HRA option
that will ‘mirror’ the old plan to help ease the
comfort levels of employee
• Do not have to ‘buy’ this dual option from
insurance which will help control claims
costs paid by insurance
– Include Non-linked HRA for those not insured with
this group plan
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