The BESTflex Plan
The BESTflex Plan Premium Only
The BESTflex Plan Self Administration
The BESTflex Plan & Benny
The EBC HRA
The EBC HRA Self Administration
The EBC HRA & Benny
COBRASecure State Continuation Administration
COBRASecure Premium Billing
SimplyHSA & Benny
CommuteEase Commuter Check Card
Employer & Participant Support
Communications & Information
Keeping Up With Health Care Reform
Getting Started for Employers
Getting Started for Employees
Getting Started for Brokers
Direct Deposit Authorization Form
BESTflex Plan Eligible Expenses List
COBRASecure Direct Payment Form
Participant Authorization Form
Letter of Medical Necessity
2015 Plan Limits
Each member of our Sales team has years of experience designing and implementing benefit plans that are custom-tailored to meet employers’ needs.
Our plan design expertise and eye for compliance makes plan set-up efficient and easy. Our Service Agreements are comprehensive, editable PDFs that simplify collecting the information we need to get our clients’ plans up and running.
EBC HRA plan designs come in many shapes and sizes, but the variations stem from key choices by the employer – choices that determine how and when the plan reimburses participants’ medical claims.
At the core of EBC HRA plan design are tiers -- from one to four. Tiers are like dividers that break participants’ EBC HRA coverage into smaller segments, with each segment reimbursing their medical expenses at a different level. Whenever a participant incurs enough medical expenses to reach a new tier, their coverage changes accordingly.
The two-tier EBC HRA is a good way to illustrate the idea.
Two-tier EBC HRA
When an EBC HRA has two tiers, each tier reimburses participants’ claims at a different percent. Two-tier plans are one of the most common EBC HRA plan designs.
This sample EBC HRA begins reimbursing participants’ expenses once they have incurred $500 worth of eligible medical expenses. At that time, Tier 2 begins and reimburses 100% of participants’ next $2,000 in eligible medical expenses.
The Versatility of EBC HRA Plan Design
There’s a lot more the EBC HRA can do, including three and four tiers, working alongside a Health Savings Account (HSA) and the Benny
Benefits Card, and combining multiple expense types under a global maximum benefit.
We can enhance the BESTflex Plan with one of many optional features. We work with employers to determine which options are right for their plan.
Each division can have separate fees, contacts, and funding
Web-based enrollment system
2-1/2 month grace period
Extra 2-1/2 months to use up FSA funds
Prepaid debit card
Add debit card convenience to the BESTflex Plan with the Benny™ Benefits Card
Limited (HSA-compatible) Health Care FSA
Covers dental and vision only
Contribute funds to participants' BESTflex Plan accounts
Reimburses premium payments for insurance plans that participants purchase on their own
EBC HRA Product Page
BESTflex Plan Product Page
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