FLEXIBLE HRA OPTIONS TO FIT EVERY NEED
At Clarity, we know that no two employers, or their workforces, are alike. That's why we offer five distinct Health Reimbursement Arrangement (HRA) options designed to support your unique strategy, benefits philosophy, and budget.
Whether your goal is to offset high deductible costs, reimburse insurance wellness, or focus on family-building benefits, our HRA suite has you covered:
Complete HRA
Covers all IRS-eligible expenses with maximum flexibility.
Integrated HRA+
Ideal for medical plans with embedded deductibles; includes hospital and medical-specific reimbursement.
QSEHRA+/ICHRA+/Retiree HRA+
Perfect for employers offering individual health insurance coverage or retiree plans.
Family Planning HRA
A focused solution supporting fertility- related expenses.
What Is An HRA
A Health Reimbursement Arrangement is an employer-paid health reimbursement plan. Any employer can decide to offer it to their employees. It helps employees save money by paying for different types of out-of-pocket expenses (deductibles, copays, etc.). Employers save money by shifting to consumer-driven healthcare. They pay directly for various expenses instead of through increased premiums from an insurance company. HRA Plan funds used by employees are tax deductible to the employer and employee.
HRA Plan Administration: How It Works
HRA’s are funded solely by the employer. They set aside a given amount of pre-tax dollars in an HRA account to pay for expenses not reimbursed by the employer’s health insurance. Employees get help with their day-to-day expenses, and Employers set the rules for how and when they can use those funds.
Choose the plan that fits you best, or combine more than one for even greater impact. With Clarity, flexibility isn’t a feature, it’s a foundation.
All options are backed by Clarity’s technology, compliance, and support, ensuring your team gets the help they need without the hassle. With card access, mobile claims, and customizable designs, Clarity HRAs offer a simply smarter way to manage health-related costs... whatever they may be.
How do employees get paid?
Web Claims: Employees can snap a photo of their receipt and submit a web claim from any device with an internet connection. That includes smartphones and tablets through our mobile app – Clarity Mobile.
Pay-to-Provider: Employees can set up providers with automated direct payments, eliminating the need for receipts or paperwork.
Smart Debit Card: Prescription drug purchases and copays can be paid for and automatically validated by using our smart debit card.
HRA Store
We make it easy for Clarity consumers to use their HRA and get the best value from each dollar spent. Items purchased through HRA Store are auto-substantiated, and comply with even the most recent healthcare reform provisions. Our health reimbursement arrangement store makes it fun and easy for consumers to use their HRA and save even more money!
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