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HRA plan options

A medical plan with an employer-funded reimbursement account to help your employees pay for medical expenses.

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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

2021 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

2020 plans

Deductibles $2000 - $3500

Plan Deductible Coinsurance Out-of-pocket max PCP Specialist Emergency room
PPO 2000/0/30 $2,000 0% $7,900 $15/$301 $50 $200
PPO 2000/0/15 $2,000 0% $7,900 $15 $30 $200
PPO 3000/0/30 $3,000 0% $7,900 $15/$301 $50 $200
PPO 3000/0/15 $3,000 0% $7,900 $15 $30 $200
Valley Advantage EPO 3000/0/35 $3,000 0% $7,900 $35 $65 $300
QHDHP PPO 3500/0/0 $3,500 0% $6,650 D D D

Deductibles $4000 - $8000

Plan Deductible Coinsurance Out-of-pocket max PCP Specialist Emergency room
PPO 4000/0/30 $4,000 0% $7,900 $15/$301 $50 $200
PPO 4000/0/15 $4,000 0% $7,900 $15 $30 $200
QHDHP PPO 4500/0/0 $4,500 0% $6,650 D D D
PPO 5000/0/30 $5,000 0% $7,900 $15/$301 $50 $200
Valley Advantage EPO 5000/0/35 $5,000 0% $7,900 $35 $65 $300
QHDHP PPO 5500/0/0 $5,500 0% $6,650 D D D
PPO 6000/0/30 $6,000 0% $7,900 $15/$301 $50 $200
QHDHP PPO 6650/0/0 $6,650 0% $6,650 D D D
PPO 7000/0/30 $7,000 0% $7,900 $15/$301 $50 $200
PPO 8000/0/30 $8,000 0% $8,150 $15/$301 $50 $200

1These plans have a tiered PCP office visit benefit, called "Office Visit Plus - Total Care". The copay is lower when visiting one of these designated PCPs.

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