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My clients are extremely happy with Array Health’s service. From its easy-to-use web-based tools to its superior customer service, Array does a fantastic job. Because of its defined contribution model, my Array clients require far less time than my other clients. Since I don’t have to spend time on renewals and other customer service issues, I have more opportunity to meet with prospective clients and deepen my relationships with existing ones. Deborah Levy Sr. Benefits Consultant AH&T Insurance

The Health Plan

When you offer the Array solution, your conversation with your clients comes down to one question: What can you afford?

By offering Array’s Health Reimbursement Arrangements (HRA) to your client, the choice of policies is left to the employee — and you still receive the commission. Unlike many HRAs, ours is not tied to a high-deductible health plan: it stands alone as an independent benefits plan.

With an HRA your client can offer employees a monthly health benefits allowance for individual health insurance and other medical expenses. Because it is a stand-alone HRA, your client benefits from the ability to predict the long-term costs of their health benefits. And there are many other advantages to your clients, such as:

Give Clients’ Employees Easy Access to Plan Dollars

At the beginning of the plan year, your client decides how much money to give employees each month, and can even offer different allowances to different employee classes. If an employee doesn’t use their allowance in a given month, the unused funds roll over to the next month and accrue throughout the plan year. Unlike a Flexible Spending Account (FSA), your client doesn’t have to reimburse employees more money than they have accumulated in their HRA. At the end of the plan year, accrued HRA dollars can rollover to the next plan year or revert back to the company, whichever your client prefers.

Simplify Plan Funding with the Array HRA

With our HRA, your client doesn’t need to set up a separate bank account. All HRA funds stay in the general assets of the company until employees submit their medical expenses. Array tracks plan accounting, and your client can access its HRA account information through their online Company Portal.

Enable Clients to Reimburse Employees Through Payroll

Once or twice a month, depending on your client’s preference, Array posts a report instructing how much to reimburse employees for medical expenses, including health insurance premiums, that were submitted to Array in the previous period. Your client then uses this report to reimburse employees though payroll.

Assure Clients of Full Compliance

Array is fully compliant with ERISA, COBRA, HIPAA and IRC Section 105. HRAs are ERISA regulated plans, and we provide all the plan documents for your client to maintain compliance.

For employees who choose to use their HRA contributions for individual health insurance, it’s important to note that the individual health insurance policies are in no way tied to the HRA plan. Your client doesn’t offer employees health insurance. Instead, the company provides a benefits allowance they can use for medical expenses.

Now that you know about the health plan, learn about individual insurance.