Clarity HRA

Simplifying HRAs 

As health care costs increase, more of the cost burden is being shared with consumers. A Clarity Health Reimbursement Arrangements Plan (HRAs) is an easy way of helping employers control health insurance costs while helping consumers pay for additional medical expenses.  

What It Is

 

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.

Family at Doctor

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 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.

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How We Stay Flexible

 

HRA’s are a flexible tool to help employers and consumers save money on healthcare. They can be set up to pay for deductible, copayment, coinsurance, prescription, and other costs. The dollar amount and payment schedule can vary based on the plans and unlike employer contributions to an HSA plan, unused funds are the property of the employer. Funds can be rolled over to the new plan year or forfeited. Clarity Benefit Solutions closely with our employers and brokers to help determine the plan design and throughout the plan year we provide an online tools to monitor the effectiveness of the program.

Here are some common HRA plan designs:

First Dollar Coverage HRA
The HRA covers first dollar healthcare deductible until the HRA is exhausted.

HRA With Employee Deductible 
The company sets an out of pocket limit that the employee will incur before the HRA starts to pay for expenses. Once the employees out of pocket limit is met the HRA will cover future deductible expenses with no need for you to pay out-of-pocket until your HRA is exhausted.

Percent-Based HRA 
The  HRA has been designed to reimburse employees for a percentage of healthcare expenses. Until the HRA has been exhausted.

 

 

How do employees get paid?

 

Clarity Quick Claim: Clarity Quick Claim takes HRA administration and plans to new heights. We link your health plan with your HRA account. When you have an eligible expense for your Clarity HRA we will automatically create a claim, populate it with your insurance data and process it for you.  With Clarity Quick Claim no more filling out forms or submitting receipts, we automate the entire process for you! Making HRA plans easy and increasing consumer satisfaction. 

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.

 

Learn more about Clarity HRA in our FAQs

How We Make it Easy
 
Claims Substantiantion

Claims Substantiantion

Mobile App

Mobile App

Multilingual Staff

Multilingual Staff

Online Enrollment

Online Enrollment

Service

Service

Smart Debit Card

Smart Debit Card

Learn more about
Clarity HRA & Clarity Consumer Benefits