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Zane Benefits Publishes New Information on HRA Employee Tips

Park City, Utah (PRWEB) August 29, 2013

Today, Zane Benefits, the number one online small business health benefits solution, published new information on HRA employee tips.

According to Zane Benefits’ website, As more and more small businesses use a stand-alone Health Reimbursement Arrangement (HRA) to offer health benefits, employees often have questions about how the HRA works, and how to get the most value out of their new health benefit.

Therefore, an important step for any small business when setting up a stand-alone HRA is educating employees on how an HRA works, such as providing custom on-boarding resources and tools to educate employees.

Here are five practical tips for employees on getting the most of their HRA. This is compiled from our HRA help and support center.

Tip 1: Use Your Online HRA Account:

-View detailed HRA information.
-Submit claims for reimbursement.
-View the status of HRA claims 24/7.

Tip 2: Understand the Types of Expenses Reimbursable Through the HRA

Eligible expenses differ in each plan. The HRA online account should provide a quick reference on what is reimbursable, and will be outlined in the enrollment packet, HRA plan documents, and/or SBC.

Tip 3: Understand How Individual Health Insurance Works

Anyone can apply for an individual or family plan through an insurance broker (recommended), online, or through the health insurance marketplaces (the marketplaces open October 1, 2013 for coverage starting January 1, 2014).

The individual owns the policy, so coverage is not dependent on employment. They can take the policy with them if they leave the company or retire.

Tip 4: Understand Time Limits for Requesting HRA Reimbursements

Like other medical reimbursement plans (HSAs, FSAs, etc), there are time factors with HRAs. These HRA timing details are included in the HRA plan documents and will outline when it is necessary to submit claims, and timing details if the customer leaves the company.

Tip 5: Understand How the HRA Reimbursement Process Works

Generally speaking, an HRA is a notional arrangement. This means the employer will reimburse the employee directly after the employee submits a request (an HRA claim). The employee's online HRA account will help them see and track all balances, expenses, and reimbursements.

Click here to read the full article.
About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHRA") for Health Reimbursement Arrangements (HRAs) and defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about ZaneHRA, visit

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