Zane Benefits Publishes New Information on How to Implement a HRA

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How to successfully implement a Health Reimbursement Account (HRA) plan. Five steps to implementing a stand-alone HRA.

Today, Zane Benefits, the online alternative to group health insurance, published new information on how to implement a HRA.

According to Zane Benefits’ website, implementation of any health benefits program, including a Health Reimbursement Account, is key to the success of the benefits program.

In the implementation phase, your small business will enroll employees, educate employees, and prepare payroll for reimbursing employees after they submit claims for their premiums and medical expenses.

Here are five (5) easy steps to successfully implement a Health Reimbursement Account.

Implementation Step #1: Enroll Employees

After setting up a Health Reimbursement Account and downloading the HRA plan documents, the first step is to enroll employees online. This is a simple task of entering basic personal information and enrolling them in their HRA Class.

Implementation Step #2: Educate Employees

After Enrolled in the HRA, the employees should learn:

  • The benefits of a Health Reimbursement Account
  • The benefits of individual health insurance and an HRA
  • How to request reimbursement and take advantage of the benefit
  • How to get questions answered if they have them

Implementation Step #3: Provide a Health Insurance Broker to Help Employees Select Insurance

With stand-alone Health Reimbursement Accounts, employees purchase their own individual health insurance. This can be a new experience for some employees. Providing a health insurance broker or consultant to help employees select and purchase plans will help guide employees through the application process. This will also help employees choose plans that best fit their individual or family needs, such as keeping the same network of providers.

Implementation Step #4: Plan for HRA Reimbursements

The business needs to plan how they will issue tax-free HRA reimbursements to employees. Common ways include on payroll or by separate check. Then, set up a line item in the payroll system. The HRA line item will be classified as a tax-free business expense reimbursement.

Implementation Step #5: Communicate with Employees Early-On & Frequently

Keep the communication open between HR and employees, and check in frequently. Many businesses make assumptions about what employees prefer or understand when it comes to benefits. By keeping communication open, you can address questions early-on in the transition, and measure their overall satisfaction in the long-term.

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About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHRA") for Health Reimbursement Arrangements (HRAs) and defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about ZaneHRA, visit

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Christina Merhar
Zane Benefits
800-391-9209 6725
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