Insured Employees 
HRA (Qliance) + Bridge HRA + HDHP

An innovative solution for employers who want to reduce the cost of their employee medical benefits without sacrificing access to primary care or the quality and coverage of their insurance plan.

If you are an employer who is experiencing annual increases in your group insurance premiums, you may want to consider switching from your current plan to a lower cost high deductible health plan (HDHP) and self-insuring your employee's deductible and primary care via a Health Reimbursement Arrangement (HRA).

This strategy has proven to significantly decrease employer costs while improving employee access to and utilization of primary care.  To learn more about this exciting and timely solution, please refer to the following Presentation or call Qliance at (206) 381-3030. Insurance agent inquiries welcome!

Uninsured Employees 
HRA (Qliance)

An innovative solution for employers who want to provide a low cost (yet meaningful) healthcare benefit but cannot afford (or do not qualify) for a traditional group health insurance plan.

If you are an employer who would like to provide a low cost (yet meaningful) health care benefit but cannot afford to provide a traditional group insurance plan or have hourly, part-time or temporary employees who are ineligible for your existing group insurance plan, you may want to consider setting up a Health Reimbursement Arrangement (HRA) and introducing Qliance.

An HRA is an employer funded health care benefit designed to reimburse medical expenses incurred by employees each month─up to, but not exceeding a pre-set dollar amount. HRAs typically costs $300 to set-up, $150 per year thereafter to maintain and about $10 - $15 per employee per month for a third-party administrator (TPA) to manage.

Once an HRA is implemented, Qliance’ direct primary care service may be introduced to employees and presented as a “cost-effective” primary care option for use of their HRA funds. If an employee does not choose to join Qliance, they may use their HRA funds for other qualified medical expenses. There is no actual or implied employer sponsorship of Qliance so as not to trigger ERISA rules.

To learn more about this exciting and timely solution, please refer to the following Presentation or call Qliance at (206) 381-3030. Insurance agent inquiries welcome!

Please Note: Qliance is not an insurance broker nor do we solicit insurance business. The recommendations and opinions expressed herein are those of Qliance and not necessarily those of any of the third parties including the brokers above.

Qliance has been advised by its professional advisors that the views expressed by Qliance as to the use of these various tax-favored plans are essentially correct. Qliance cannot offer tax advice, however, or suggest that you rely on the advice it has received, so your individual tax advisor or consultant should be contacted for guidance before you actually utilize any of these tax-favored plans in connection with the payment of Qliance fees.