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Health Reimbursement Arrangement (HRA)

An Innovative Approach to Employee Benefits

Employers & Brokers

A Health Benefit That Works for Your People and Your Budget

You want to offer your employees excellent health benefits, but rising costs and one-size-fits-all plans can make that a challenge. A Health Reimbursement Arrangement (HRA) offers a flexible, employer-funded solution that helps your team cover medical expenses while giving you control over the costs. It’s a thoughtful way to support your employees’ well-being and meet your organization’s financial goals.

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The Challenge You Face. The Solution We Offer.

Imagine trying to balance your budget while covering your employees’ diverse healthcare needs. One employee needs help with their high deductible, while another wants support for dental and vision care. Traditional plans often lack this flexibility, leading to manual tracking and administrative headaches for your team.

This is where Navia’s HRA solution steps in. Our platform is built to handle nearly any plan design, from a Section 105 or Individual Coverage HRA (ICHRA) to a specific dental and vision plan. We remove the administrative burden, so you can focus on supporting your people. Businesses that implement an HRA can see significant savings, with some saving up to 52% on family coverage costs compared to a traditional group plan.

Financial Flexibility

You set the contribution amount and define what expenses are eligible. This control helps you manage and predict healthcare spending effectively.

Streamlined Administration

Our employer portal simplifies everything. You can manage eligibility, review plan information, and download reports with ease. We handle the complexities so you don’t have to.

Customized for You

Whether you’re a small startup or a large enterprise, our HRAs scale to fit. We design a plan that aligns perfectly with your industry and your team’s unique needs.

Partner in Compliance

We provide the guidance and documentation you need to stay compliant with federal and local regulations, including plan documents, SPDs, and non-discrimination testing. This gives you peace of mind and reduces the risk of costly errors.

The HRA Value

The Clear Advantages of a Navia HRA

An HRA is more than just a benefit; it’s a strategic tool that offers measurable returns for your organization and meaningful support for your employees.

MyNavia Mobile App

Employees can submit claims with a photo, check their account balance, and receive payment alerts, all from their smartphone.

Navia Benefits Card

For plans that cover all medically necessary expenses, employees can simply swipe a card to pay, making transactions quick and easy.

Online Portal

Both you and your employees have 24/7 access to your respective portals for complete visibility and control.

Let’s Build a Better Benefit Plan, Together

Ready to offer a health benefit that truly benefits everyone? Connect with us to discover how a Navia HRA can help you reduce costs, simplify administration, and enhance the well-being of your team.

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