Health Reimbursement Arrangement

Give your employees additional health coverage flexibility

Why provide a Health Reimbursement Arrangement?

A Health Reimbursement Arrangement allows employees to pay eligible health care costs tax free. As the employer, you have flexibility and control in deciding which expenses to cover. Balances may roll over at year-end but don't accrue interest, and employees can't take the balance with them when they leave.

Employer benefits

  • Specify which IRS-eligible expenses to cover
  • Choose whether to roll over year-end balances
  • Opt to offer in conjunction with a high-deductible health plan
  • Opportunity to reduce premium costs
  • Only pay for employee utilization

The following services are offered through SHDR, a division of McGriff Insurance Services:

  • Plan design and enrollment assistance
  • Benefits communication
  • Auto substantiation and reduced claims paperwork with Benefits Access Visa® debit card
  • Online account management

Employee benefits

  • Withdrawals for eligible health care costs are tax free
  • Benefit Access Visa® debit card allows easy access to funds
  • Online account management
  • Year-end balance may roll over
  • Health plan premiums may be reduced 

Online account access

Plan sponsors and participants have 24/7 access to account information and educational material online.

Employer access

  • Enroll new participants
  • Update employee addresses and other personal information
  • View consolidated accounts
  • Generate reports
  • Find answers to common employee questions

Employee access

  • Check balance and personal information
  • Download claim forms
  • Review lists of eligible expenses
  • Find participating pharmacies and other merchants
  • Get answers to common questions

Ready to get started?


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By phone

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Weekdays from 8:00 am to 8:00 pm ET

Already have an HRA?

Access your personal health information through CarePlus.

Log in to CarePlusfor details about health reimbursement arrangements (opens in a new tab)

Related services

COBRA Administration

Remove the strain on internal resources by using COBRA benefits for former employees.

Flexible Benefit Plans

Offer enhanced medical and dependent care benefits to your employees while saving on operational costs.

Flexible Spending Account

Allow employees to set aside pretax salary to pay for health care and dependent care expenses.

Health Savings Account

Allow employees to pay for current and future medical expenses tax free with a portable account funded by the employer or the employee.

Branch Banking and Trust Company, Member FDIC.

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Branch Banking and Trust Company is now Truist Bank. Learn more.

BB&T and SunTrust have merged to become Truist. Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Our friendly teammates at your local SunTrust branches will be happy to walk you through their respective products. You can also learn more by contacting them at 800-SUNTRUST or

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