Health Reimbursement Arrangements (HRAs)

Health reimbursement arrangements (HRAs) are an excellent way for your company to take advantage of tax-saving benefits. As an employer, you set aside a fixed amount of money each year for each employee to use for eligible healthcare expenses. Unlike other tax-advantaged accounts, only you, the employer, can put money into the HRA.

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Have Questions or Ready to Enroll?

Call us at 1-800-525-9252 or contact your Medical Mutual representative. You can also request a quote online.

Why Choose Medical Mutual

Medical Mutual’s HRA integrates with your company’s Medical Mutual healthcare benefits, giving you and your employees single sign-on access and the support of an Ohio-based customer care team. With our HRA solution, we help you efficiently manage your healthcare benefits and HRA administration and deliver direct-to-provider payments. In addition, we provide:

  • A superior claim auto-substantiation rate of over 90 percent
    • 100 percent on claims integration plans
    • More than 90 percent on debit card plans
  • 24/7 access to our employer portal for on-demand reporting
  • A team of implementation experts
  • Optional wellness HRAs

We provide the following funding options:

  • Debit Card-Enabled HRA – this works just like a standard debit card for qualified expenses. Your employees have easy access to their funds at the point of service. Our auto-substantiation feature minimizes the need for employees to submit receipts for most claims
  • Claims Integration HRA – After medical claims are processed, HRA-eligible expenses are automatically filed against the HRA account and payment goes directly to the provider.

How an HRA Saves Your Company Money

All employer-made contributions are completely tax deductible, and reimbursements are tax-free when an employee files a claim. HRAs are primarily notional accounts, meaning you only pay when a claim is processed or a debit card transaction take place and is eligible for reimbursement. You have the option to have the HRA pay first or you can designate an amount that the employee must pay first.

Additional HRA Benefits

Why choosing a Medical Mutual HRA makes sense.

  • Medical Mutual Debit Card – Our card provides a convenient way for your employees to pay for eligible expenses and allows for automatic funds management if you elect other Medical Mutual CDH products. Depending on the plan type, the card gives employees access to funds without the need to submit claims and wait for reimbursement.
  • Integrated Online Accounts – With single sign-on access, employees can manage their Medical Mutual benefits, HRA and other CDH accounts (if elected) through My Health Plan, our secure member website. 
  • Section 125 Plan Document Support – We can provide compliant plan documents to support your HRA. Fees may apply.
  • AccountLink Mobile App – Employees can view account balances and profile information, submit claims and more from our mobile app. Visit for information.
  • Member Education Resources – We offer a variety of support materials pre and post enrollment based on your company’s needs.