UMR - Flexible Spending Accounts

Health reimbursement accounts

Helping members become better health care consumers

Customization and integration are the key components to our UMR health reimbursement account (HRA) administration. Since we began administering HRAs in 2003, virtually every plan has been uniquely customized to meet the needs of our diverse client base.

Employers have the option of placing an initial deductible in front of the HRA and can determine the dollar amounts for deductibles and HRA contributions. Our integrated design uses the same claim engine to process HRA claims along with major medical coverage.

We can also integrate several other features and benefits into our HRA administrative offering, including:

Prescription drug coverage
Preventive care not subject to the standard deductible
A care management program to encourage healthier lifestyles
A flexible spending account component to fund deductible costs not covered by the HRA
Web tools to help employers design a plan structure to meet their cost and benefit goals and assist members in better assessing their health care costs and needs

HRA administration through UMR gives employers a more predictable medical expense and encourages members to become better consumers of health care.

Other Core Products

	Medical administration
	Care management
	Network administration
	Pharmacy benefits
	Stop loss
	Dental administration
	Disability and life administration
	FMLA certification
	HIPAA administration
	COBRA administration
	Consumer-driven health plans