How does a ConsumerDirect HRA work?

Choose a health plan

EmblemHealth offers ConsumerDirect PPO (Preferred Provider Organization) and EPO (Exclusive Provider Organization) High Deductible Health Plans. HDHPs typically exchange lower premiums for a higher deductible. PPO plans provide in- and out-of-network benefits. EPO plans provide in-network benefits. You can select the plan type and deductible that works for your company.

Select an HRA provider

You can select any qualified HRA provider for your ConsumerDirect HRA. Consider selecting an experienced HRA provider to assist with plan design, administration, and HRA implementation. Your EmblemHealth broker will work with you to coordinate all three ConsumerDirect components.

HRAs are funded by the employer

HRAs are funded only by the employer. Employees can use their HRA funds for any IRS-qualified medical expenses defined as eligible in the Summary Plan Document. Eligible expenses may include deductibles, co-pays, coinsurance, doctor fees, and dental care. If an employee has an HRA and a Limited-Purpose Flexible Spending Account (FSA), eligible expenditures will be reimbursed out of the HRA first.

EmblemHealth makes it easy

We have designed the ConsumerDirect HRA solution to make it easy to implement and maintain. Call us today at 1-877-411-3625.