For groups of 101+ employees
The Health Reimbursement Arrangement is funded by the employer. You choose how to administer employee medical expense reimbursements. This type of plan can be used to pay part or all of the in-network deductible. HRA funds paid for employee claims are tax deductible for employers.
On all HRA plans, HRA payments for medical services are processed automatically and paid directly to the healthcare provider. On QHDHP HRA plans, prescription expenses applied to deductible can also be reimbursed: however, the employee must submit the claim to request payment.
D = Deductible
D/$ - Deductible applies first, then a copay
2022 plans
Deductibles $2000 - $4500
| Plan |
Deductible |
Coinsurance |
Out-of-pocket max |
PCP |
Specialist |
Emergency room |
| PPO 2000/0/30 |
$2,000 |
0% |
$8,550 |
$15/$301 |
$50 |
$200 |
| PPO 3000/0/30 |
$3,000 |
0% |
$8,550 |
$15/$301 |
$50 |
$200 |
| Capital Advantage EPO 3000/0/35 |
$3,000
|
0% |
$8,550 |
$35 |
$65 |
$300 |
| Valley Advantage EPO 3000/0/35 |
$3,000
|
0% |
$8,550 |
$35 |
$65 |
$300 |
| QHDHP PPO 3500/0/0 |
$3,500 |
0% |
$6,900 |
D |
D |
D/$250 |
| PPO 4000/0/30 |
$4,000 |
0% |
$8,550 |
$15/$301 |
$50 |
$200 |
| QHDHP PPO 4500/0/0 |
$4,500 |
0% |
$6,900 |
D |
D |
D/$250 |
Deductibles $5000 - $8000
| Plan |
Deductible |
Coinsurance |
Out-of-pocket max |
PCP |
Specialist |
Emergency room |
| PPO 5000/0/30 |
$5,000 |
0% |
$8,550 |
$15/$301 |
$50 |
$200 |
| Capital Advantage EPO 5000/0/35 |
$5,000
|
0% |
$8,550 |
$35 |
$65 |
$300 |
| Valley Advantage EPO 5000/0/35 |
$5,000
|
0% |
$8,550 |
$35 |
$65 |
$300 |
| QHDHP PPO 5500/0/0 |
$5,500 |
0% |
$6,900 |
D |
D |
D/$250 |
| PPO 6000/0/30 |
$6,000 |
0% |
$8,550 |
$15/$301 |
$50 |
$200 |
| QHDHP-E PPO 6900/0/0 |
$6,900 |
0% |
$6,900 |
D |
D |
D |
| PPO 7000/0/30 |
$7,000 |
0% |
$8,550 |
$15/$301 |
$50 |
$200 |
| PPO 8000/0/30 |
$8,000 |
0% |
$8,550 |
$15/$301 |
$50 |
$200 |
