What is a ConsumerDirect HRA?

Three components working together

The EmblemHealth ConsumerDirect HRA solution is designed to help reduce health care costs. The HRA solution includes three components: a health plan, a Health Reimbursement Arrangement (HRA), and a comprehensive health and wellness program.

EmblemHealth high-quality health plan

EmblemHealth is committed to providing affordable, quality health coverage in ways that respect and respond to people's fundamental needs. We have more than 70 years of experience and currently provide high-quality health insurance plans to more than 3.4 million people throughout New York State, New Jersey, and Connecticut.

Health Reimbursement Arrangement

An HRA is an employer-funded account that allows you to pay for certain out-of-pocket medical expenses before the deductible is reached. You can use your HRA funds tax-free for any IRS-qualified medical expenses that are defined as eligible in your employer's Summary Plan Document. State taxes may vary.

Integrated wellness programs

The EmblemHealth ConsumerDirect HRA solution includes a comprehensive wellness program and wellness challenges to motivate you to maintain a healthy lifestyle.