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Certification

• Introduction to BASE®
• 1. Who is BASE®?
  2. What is an HRA?
  3. Who Qualifies for an HRA?
  4. Where do the savings come from?
• BASE® 125 Cafeteria Plan
• 1. What is a 125 Cafeteria Plan?
  2. Who is eligible for the BASE® 125 Plan?
  3. Where do the savings come from?
• BASE® Integrated HRA
• 1. What is an Integrated HRA?
  2. Who is eligible for the BASE® Integrated HRA?
  3. Where do the savings come from?
• Value of BASE®
• 1. How can BASE® products help my sales?

Section III: BASE® Integrated HRA

Chapter 1: What is an Integrated HRA?

The BASE® Integrated HRA is available for employers with a group health insurance plan in place who are looking to reduce the overall cost of insurance coverage. The BASE® Integrated HRA, also known as a Medical Expense Reimbursement Plan (MERP), is an employer-paid reimbursement program, designed to specifically assist employees with medical expenses. This means savings for employers and more options for employees.

The Integrated HRA is an integrated benefit that provides employees hands-on management of their health care expenses, while the employer covers a portion of the cost. Employers decide which expenses will be reimbursed under the HRA, whether they are expenses allowed under their customized plan or allowable under IRC §213(d). Plus, the BASE® Integrated HRA is portable and works with any carrier, health insurance plan, or group benefit plan. Since there are no restrictions on the type of health plan that can be paired with an HRA, employers are free to choose the perfect plan for employees.

Employers can choose to raise the deductible on their current group health insurance plan, which will reduce the overall cost of the insured plan. The employer will utilize the BASE® Integrated HRA to self-insure a portion of that deductible to keep the employees responsibility of the deductible maintainable. All reimbursements are tax-free to the employee and tax deductible to the employer.

Employees will appreciate the choice, flexibility, and security provided by the BASE® Integrated HRA. Implementing an HRA ultimately provides an additional benefit that helps to strengthen employee benefit programs and make them a more valuable recruiting tool.