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setting up an hra

Setting Up an HRA

Health Reimbursement Arrangement (HRA)

An affordable, flexible benefit solution that you control

HRAs provide a smart, convenient way to reimburse employees for qualified medical expenses that employers determine and approve. HRAs enable employers to set aside pre-tax dollars to help subsidize employee expenses associated with higher deductibles. The result is wiser health care utilization.


Fully integrated, seamless and convenient

We make it easy offer a seamless, integrated member experience. HRAs are fully integrated through our claims processing system, which provides you with reimbursement options through automatic reimbursement or by debit card.

Valuable benefit enhancements

In addition to helping employers better control decisions that support their specific benefit plan strategy, HRAs also help employees better plan for and manage their health care spending.



  • Control contributions, allowable expenses, maximum accumulation amounts, rollovers, and portability
  • Choose from our many PPO or High-Deductible Health Plan options
  • Decide who pays the first part of the deductible – the HRA or employees
  • Reimbursements are tax-deductible
  • No pre-funding required, only reimbursements for qualified claims
  • HRA contributions offer a great employee benefit
  • Lower health plan costs and employee premium contributions


Why you should offer our HRA

While most HRA programs pay for themselves in tax savings, not all HRA administrators offer the spectrum of services needed to successfully maximize all aspects of your health benefit program.


BlueCross BlueShield of Tennessee delivers a complete solution with valuable tools and administrative services that drive employee participation and satisfaction.

To establish a BlueCross BlueShield of Tennessee Health Reimbursement Arrangement, contact your agent/broker or a BlueCross BlueShield of Tennessee representative at 1-800-565-9140.

For more information on Health Reimbursement Arrangements, go to Group/Broker HRA FAQs.