Frequently Asked Questions

HRA

• Can owners or partners participant in the HRA?
• As an employer, do I have to contribute the same amount to every employee's HRA?
• What is the employer tax benefit of offering an HRA to employees?
• What are the benefits of offering an HRA to our employees?
• Are high deductible health plans required in order to offer an HRA?

Healthcare Reform

• 5500 Filing
• Healthcare Terms
  • Healthcare Glossary of Terms
• PCORI
  • Failure to Pay the PCORI Fee
  • What are the PCORI fees for this year?
  • How will OCA be calculating the POCRI fee?
  • What is OCA doing to assist your organization for the PCORI Fee?
  • Which individuals are taken into account for determining the lives covered under a applicable self-insured health plan (HRA)?
  • Who Pays the PCORI Fee?
  • What is the Patient-Centered Outcomes Research Trust Fund fee?
• Wrap Documents

• What is the difference between an HSA, HRA, and FSA?

ClaimsExpress

• How does ClaimsExpress help my employees?
• Which insurance carriers do you work with?
• Is ClaimsExpress HIPAA compliant?
• Is there a setup process?
• How does ClaimsExpress help my employees?
• Will my employees still need to substantiate challenged debit card transactions?

Debit Card

• What happens if I am required to send in a receipt but don’t do so promptly?
• Do I ever have to send in receipts or other supporting documentation?
• Does the provider have to do anything different to take the healthcare debit card?

COBRA

• Can I pay for COBRA premium with my HSA?
• Can I contribute to my HSA while on COBRA?
• Does my employer offer COBRA insurance
• What does COBRA stand for?
• COBRA Penalties
• Duration of Coverage

Commuter

• What is a Commuter account?
• What is a qualified mass transit expense?
• What qualifies as van-pooling?
• What is a qualified parking expense?
• Can I use my commuter account for commuting expenses like tolls and gas?
• Can I use my commuter account to pay for business or personal travel expenses?
• Whose commuter expenses are covered?
• Is there a limit to how much I can contribute?
• How does I contributions to my commuter benefit?
• Can I change my election?
• What happens if I don't use all of my funds at the end of the plan year?
• Do I need to keep my receipts?
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FSA

• Dependent Care Account
  • Do non-discrimination rules apply?
  • Can owners or partners participate in an FSA?
  • What type of care is not eligible?
  • Do I have access to my entire DCA election amount at the beginning of the year?
  • Are there any rules about who can care for my dependents?
  • Can I change my election mid-year?
  • What happens to my account if my employment is terminated?
• Health FSA
  • Can an employer charge an employee for the balance of a Health FSA if the employee leaves employment mid-year?
  • Is a domestic partner covered by an FSA?
  • Do non-discrimination rules apply?
  • Can owners or partners participate in an FSA?
  • How does the Health FSA grace period affect employee's ability to contribute to an HSA?
  • Can I offer my employees a grace period option
  • What regulations should I be aware of?
  • Can an FSA be offered with any health plan?
• Limited Purpose FSA
  • What is a Limited Purpose FSA?
  • How is a LPFSA different than an FSA?

HSA

• Is an individual enrolled/entitled to Medicare HSA eligible?
• In what ways can account holders contribute in the HSA?
• Can I contribute to my HSA while on COBRA?
• Medicare and HSAs
• How much can an employee spend each year out of their HSA?
• Do HSAs have "catch-up" rules and withdrawal penalties like 401(k) accounts do?
• How long can employees contribute to an HSA?
• How does the Health FSA grace period affect employee's ability to contribute to an HSA?
• Can I pay for COBRA premium with my HSA?
• Can I contribute to my HSA while on COBRA?
Show all FAQs ( 2 ) Collapse Articles

Non Discrimination

• Cafeteria Plan Nondiscrimination Rules

Section 125 Premium Only Plan

• Which Individuals Are Ineligible to Participate in a Cafeteria Plan?
• Employer Tax Savings
• Setting up a POP Plan
• Cafeteria Plan Nondiscrimination Rules
• myPOP Express Services
• Employee Advantages in a POP Plan