Consumer Driven Administrators, LLC
Consumer Driven Administrators, LLC

Health Reimbursement Arrangements

With an HRA, employers fund individual reimbursement accounts for their employees and define what those funds can be used for – i.e., specified out-of-pocket expenses such as deductibles and co-pays.


Qualified claims must be described in the HRA plan document at inception before reimbursing employees for those medical expenses. Arrangements (medical services, dental services, co-pays, coinsurance, deductibles, participation, etc.) may vary from plan to plan and an employer may have multiple plans in place, allowing much flexibility.


The employer is not required to prefund a bank account for reimbursements, instead, the employer reimburses claims as they occur.

Different Types of HRAs

Integrated HRA

Reimburses expenses after the primary insurance carrier has processed all charges. The primary carrier’s processing of a claim will show the charges to be considered under the HRA. The HRA will then reimburse eligible expenses, as defined by the employer.

HSA-Compatible, Integrated HRA

Reimburses in compliance with IRS-mandates to permit covered employees to also benefit from the tax savings utilizing the Health Savings Account (HSA).

Vision HRA

Reimburses specified vision-related expenses. The employer specifies what services are reimbursable as well as the frequency. The Vision HRA can be a standalone reimbursement program of vision expenses or can be integrated, reimbursing only after a fully-insured vision insurance program pays primary.

Dental HRA

Reimburses specified dental-related expenses. The employer specifies what services are reimbursable as well as the frequency. The Dental HRA can be a standalone reimbursement program that mirrors the coverage of an existing fully-insurance plan without the associated premium cost or an integrated benefit reimbursing after a fully-insured dental insurance program pays primary.

Retiree HRA

Reimburses specified qualified medical, dental, vision, IRS 213d or premium expenses for a defined classification of retired employees.

For additional information regarding our products or administration, please contact a CDA Associate.

Setting Ourselves Apart

Competitive Fee Schedule

Our competitive fee schedule keeps the fixed fees associated with the plan to a minimum.


On-Demand Claim Funding

Employers are not required to provide a reserve deposit. Benefits may be paid on-demand as claims occur.


Flexibility with Plan Design

Plans are designed to meet the needs of the client first and foremost--they are not designed to accommodate pre-established plan designs.


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