Health Reimbursement Arrangements

American Fidelity provides services for employers who decide to implement a Health Reimbursement Arrangement (HRA) as part of their employee health and welfare benefits package. An HRA is a program that allows an employer to set up accounts for their employees for the reimbursement of eligible out-of-pocket medical expenses.

Four Plans to Choose From

  • Deductible Package – Covers only items that apply to the major medical plan deductible and/or copayments.
  • Comprehensive Package – Covers all eligible out-of-pocket medical expenses.
  • Limited Expense Package – Covers dental and vision expenses. Only available in conjunction with an HSA.
  • Retiree Package – Covers all eligible out-of-pocket medical expenses and/or reimburses eligible insurance premiums.

Flexible Plan Funding

You will be billed on a cycle that works best for you and the amounts you have chosen for each participant. These amounts are deposited into a non-interest bearing bank account. Each participant’s account will be credited with the amount that was contributed for them.