Health Reimbursement Arrangements

Health Reimbursement Arrangements (HRA)

Reduce your out-of-pocket medical expenses by leveraging a Difference Card HRA

An HRA is a reimbursement account set up and funded by an employer to cover eligible healthcare expenses. Unlike a Healthcare FSA where the IRS defines the eligible services, the employer defines the services eligible for reimbursement from an HRA.

Since an HRA is created and funded by the employer to pay for your employees’ eligible healthcare expenses, employers can decide which services will be covered under the HRA.

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Typically, HRA plan administrators will reimburse healthcare services like:

  • Doctor’s office visits
  • Hospital services
  • Prescription drugs
  • Over-the-counter products
  • Health insurance premiums
  • Coinsurance
  • Deductible expenses
  • Dental care
  • Vision care

An HRA is part of an employee benefit plan that is 100 percent funded by the employer. Employees will know in advance how much money they have to spend on eligible healthcare expenses.

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HRA funds can be loaded directly onto The Difference Card

When Employer Funding is loaded directly onto the Difference Card, employees are able to easily swipe at the point of service for the items defined under the HRA plan documents. Detailed Difference Card reporting makes it easy for employers to see HIPAA-compliant aggregate data regarding HRA utilization.

Health Reimbursement Arrangements

  • Health Reimbursement Arrangements must be structured in a one to one ratio with the underlying health insurance carrier plan.
  • Most HRAs reimburse for deductible related expenses only.
  • Plan reporting on an aggregate basis only
  • HRA plans cannot be paired with the financial protection of the Difference Guarantee
  • HRA costs must be solely funded by the employer and cannot be shared with members though premium contributions


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