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Advanced Flex Plan Administration with the Human Touch

Excepted Benefit HRA

An Excepted Benefit HRA (EBHRA) may supplement the Group Health Plan by covering dental, vision, short-term disability, limited duration insurance, copays, deductibles, and other expenses.

Eligibility

Employers

Employers who offer a Group Health Plan may offer an EBHRA.

Participants

Employees must be offered a Group Health Plan but do not need to enroll to be eligible for an EBHRA.

Who Can Contribute

Only the Employer can contribute to an EBHRA.

Advantages of an EBHRA

Employers

  • The EBHRA allows the Employer to supplement their Group Health Plan by paying for items not covered.

Participants

  • EBHRA funds are tax-free to employees.

How it Works

For Employers

The Employer hosts Open Enrollment  and allows employees to enroll in the EBHRA.

HRA funds are available to employees on the first day of the Plan Year based on how the Plan is structured.

EMPOWER administers the EBHRA and issues reimbursements to employees after claims are filed. EBHRA reimbursements are made from an Employer-owned bank account.

For Participants

Employees can enroll in the EBHRA separately from the Group Health Plan. 

Participants pay for expenses out of their own pockets.

Participants file claims to EMPOWER. EMPOWER reimburses claims conveniently from the Employer’s bank account.

Want the Latest Contribution Limits and Guidelines?

EMPOWER’s Benefits Solutions Guide takes the guesswork out of benefits by providing a comprehensive synopsis of each plan type, as well as comparisons and sample scenarios.

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I am a Participant
Click the above link if you are a participant who has an FSA, HSA, or HRA with EMPOWER.
I am an Employer
Click the above link if you are an Employer or Consultant.

Download Forms

Click one of the links below to view the available forms.

I am a Participant
Click the above link if you are a participant who has an FSA, HSA, or HRA with EMPOWER.
I am an Employer
Click the above link if you are an Employer or Consultant.