Group Health
Reimbursement

QSEHRA
ICHRA
GCHRA
EBHRA
Taxable Stipend
Stewarded Custom HRA

• QSEHRA

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  • Qualified Small Employer HRA: Individual coverage for your employees, and available for small employers with fewer than 50 full-time employees. It reimburses employees on a tax-free basis for their individual health insurance premiums and other qualifying medical expenses.

• ICHRA

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  • Individual Coverage HRA: An employer-funded health reimbursement arrangement that allows employees to purchase their own individual health insurance.

• GCHRA

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  • Group Coverage HRA: A health reimbursement arrangement for employees with group health insurance, used to cover expenses not fully covered by the group plan.

• EBHRA

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  • Excepted Benefit HRA: A health reimbursement arrangement offering limited benefits for expenses like dental or vision, without requiring enrollment in a group health plan.

• Taxable Stipend

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  • A fixed sum of money provided by an employer to cover specific expenses (like health insurance or commuting), but it is treated as taxable income, meaning it is subject to income and payroll taxes.

• Stewarded Custom HRA

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  • A custom Health Reimbursement Account tailored to fit your organization.

Traditional
Group Insurance

Fully Insured, Level Funded, & Self Insured

HMO
PPO

• HMO

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  • Health Maintenance Organization: A health insurance plan that requires members to use a network of doctors and hospitals and typically needs referrals for specialists.

• PPO

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  • Preferred Provider Organization: A health insurance plan offering more flexibility in choosing doctors and hospitals, with lower costs for in-network providers.

Ministry
Sharing Plans

Medishare
Samaritan Ministries

• Medishare

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  • A faith-based healthcare sharing program where members contribute to each other's medical expenses.

• Samaritan Ministries

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  • A Christian healthcare sharing ministry where members assist each other with medical costs, similar to Medishare.

Additional
Coverages

Vision
Dental
Group Disability
Group Life

• Vision

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  • Insurance coverage specifically for eye care, including exams, glasses, and contact lenses.

• Dental

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  • Insurance coverage for dental care, including routine check-ups, cleanings, and more complex procedures.

• Group Disability

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  • An employer-provided insurance plan that offers income protection to emplyees who become unable to work due to a disability.

• Group Life

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  • A life insurance policy provided by an employer that offers coverage to a group of employees, typically at lower rates than individual policies.