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Flexible Benefits
Flexible Spending Accounts
Health Reimbursement Account - Section 213
Flexible Spending Accounts		 Flexible Spending Accounts
Medical Reimbursement Accounts - Section 105
Medical Reimbursement Accounts - Section 105 Premium Conversion Plans Medical Reimbursement Accounts - Section 105
Medical Reimbursement Accounts - Section 105 Medical Reimbursement Accounts - Section 105 Medical Reimbursement Accounts - Section 105
Medical Reimbursement Accounts - Section 105 Flexible Spending Accounts Medical Reimbursement Accounts - Section 105
Medical Reimbursement Accounts - Section 105 Medical Reimbursement Accounts - Section 105 Medical Reimbursement Accounts - Section 105
Medical Reimbursement Accounts - Section 105 Health Reimbursement Agreements Medical Reimbursement Accounts - Section 105
Medical Reimbursement Accounts - Section 105 Medical Reimbursement Accounts - Section 105 Medical Reimbursement Accounts - Section 105
Medical Reimbursement Accounts - Section 105 Parking Reimbursement Plans Medical Reimbursement Accounts - Section 105
Medical Reimbursement Accounts - Section 105
Flexible Spending Accounts
COBRA Administration
Contact Combined Services LLC:
Contact Combined Services LLC
Phone:
Contact Combined Services LLC
Contact Combined Services LLC
 1 603 227-2000
Toll-Free:
Contact Combined Services LLC
 1 888 249-9966
Fax:
Contact Combined Services LLC
 1 603 224-4256
Email: Flexible Benefits Department
Contact Combined Services LLC

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Today, finding adequate healthcare coverage at an affordable price is an increasingly difficult challenge for employers. Health Reimbursement Accounts (HRAs), in combination with an employer medical or dental insurance plan can provide employers with an alternative funding option that can reduce and control healthcare costs.
Medical Reimbursement Accounts - Section 105
How it Works
Medical Reimbursement Accounts - Section 105
An HRA covers employees for certain specified medical expenses as determined by the employer and that qualify under Section 213. It is funded by the employer, not by salary reduction contributions from employees.
Medical Reimbursement Accounts - Section 105
HRA's can be a cost effective way for employers to cover medical expenses. The employer can design the plan to cover a variety of healthcare expenses including:
Medical Reimbursement Accounts - Section 105
Medical Reimbursement Accounts - Section 105 •Co-insurance
Medical Reimbursement Accounts - Section 105
Medical Reimbursement Accounts - Section 105 •Deductibles
Medical Reimbursement Accounts - Section 105
Medical Reimbursement Accounts - Section 105 •Prescription drug and office visit co-pays
Medical Reimbursement Accounts - Section 105
Medical Reimbursement Accounts - Section 105 •Dental expenses including orthodontia

Medical Reimbursement Accounts - Section 105
Combined Services LLC (CSLLC) will work with the employer to provide a written plan document and summary plan description that meet their goals and complies with IRS and Department of Labor guidelines. The employer will be provided with the necessary paperwork to implement a Health Reimbursement Account. The customer service team is available Monday through Friday from 8:00 a.m. to 4:30 p.m. (EST) to handle inquiries and to process claims and enrollments.
Medical Reimbursement Accounts - Section 105
The employer will simply need to adopt a plan by a corporate resolution that outlines:
Medical Reimbursement Accounts - Section 105
Medical Reimbursement Accounts - Section 105 •The group of employees covered
Medical Reimbursement Accounts - Section 105
Medical Reimbursement Accounts - Section 105 •The types of medical expenses to be covered
Medical Reimbursement Accounts - Section 105
Medical Reimbursement Accounts - Section 105 •Limits or conditions on reimbursement blankof claims by the company
Medical Reimbursement Accounts - Section 105
Medical Reimbursement Accounts - Section 105 •Dental expenses including orthodontia

Medical Reimbursement Accounts - Section 105
Combined Services LLC has dedicated Flexible Benefits Claims Analysts available Monday through Friday from 8:00 a.m. to 4:30 p.m. (EST) to answer questions. Claims are processed weekly and those approved can be reimbursed by check or direct deposit to the participants.
Medical Reimbursement Accounts - Section 105
Combined Services LLC
Medical Reimbursement Accounts - Section 105
Employer Advantages:
Medical Reimbursement Accounts - Section 105
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•Provide tax free benefits to employees
Medical Reimbursement Accounts - Section 105
•Tax deductible to employer for benefits blankpaid
Medical Reimbursement Accounts - Section 105
•Flexibility in plan design to meet employer objectives
Medical Reimbursement Accounts - Section 105
•Potentially lower expense than insuring blankrisk & paying a premium

Combined Services LLC
Medical Reimbursement Accounts - Section 105
Employee Advantages:
Medical Reimbursement Accounts - Section 105
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•Tax free benefit for healthcare costs
Medical Reimbursement Accounts - Section 105
•Covers medical expenses not paid for by employer insurance plans

Combined Services LLC
Medical Reimbursement Accounts - Section 105
Important Item to Note:
Medical Reimbursement Accounts - Section 105
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Plans that are on a "pay as you go" or are "self-funded" are governed by nondiscrimination rules found in Code Section 105(h). Failure to comply with these rules means plan benefits will become taxable to "highly compensated" employees.
Medical Reimbursement Accounts - Section 105
Employers should be aware that if the employer is subject to COBRA the HRA plan would be a COBRA eligible benefit by the COBRA beneficiary.
Flexible Spending Accounts
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