Business Details
Customizable HRA Plans for Employers
Marin Benefits has been dedicated to revolutionizing employee healthcare benefits through innovative Health Reimbursement Arrangements (HRAs) since our founding. With over 25 years of expertise in self-funded benefits, we specialize in designing plans that balance employer cost-efficiency with comprehensive employee coverage. Our team advocates for clients by combining group health insurance with customizable HRA solutions, ensuring access to critical medical services like behavioral health, fertility treatments, and preventive care.We leverage advanced technology for seamless claim submissions, direct deposit reimbursements, and paperless operations while maintaining a commitment to sustainability and community engagement. Our HIPAA, ERISA, and IRS-compliant plans are tailored to meet diverse organizational needs, from small businesses to retiree programs, with a focus on transparency, accountability, and long-term value creation.
Services
Group Coverage HRA
Specialized Health Reimbursement
Individual Coverage HRA
Qualified Small Employer HRA
Retiree Health Reimbursement
Limited Purpose HRA
Highlights and features
- We offer 25+ years of specialized expertise in self-funded HRA plans.
- Our team provides HIPAA, ERISA, and IRS-compliant plan designs.
- We deliver automated enrollment and secure online member portals.
- Our solutions include ACH funding and scheduled financial reporting.
- We offer specialized HRAs for fertility, adoption, and retiree needs.
Associations and certifications
- HIPAA
- ERISA
- IRS
Services
Group Coverage HRA
Group Coverage HRA pairs with traditional health insurance to reimburse employee out-of-pocket medical expenses. Employers set reimbursement allowances and eligible expenses, paying only when claims occur. This tax-advantaged solution reduces overall medical costs while providing first-dollar coverage for participants, with flexible administration through digital platforms and debit card systems.
Specialized Health Reimbursement
Specialized HRAs reimburse non-traditional medical expenses like behavioral health, autism support, and alternative therapies. Plans cover IRS-qualified services employees encounter that traditional insurance often excludes. Employers can self-fund these plans to deliver higher benefit maximums for global healthcare services, including fertility treatments and assistive devices like hearing aids.
Individual Coverage HRA
Individual Coverage HRA allows employers to fund employees' purchase of individual-market insurance. Flexible for all business sizes, ICHRA accommodates multiple employee classes and covers IRS-qualified expenses. This solution works well for remote or out-of-state employees, offering customizable benefits without traditional group plan constraints.
Qualified Small Employer HRA
QSEHRA provides medical expense reimbursements for businesses with fewer than 50 employees that don't offer group coverage. Employers fund qualified expenses including insurance premiums, with annual contribution limits. This plan offers small businesses a tax-efficient way to support employees' healthcare needs through customizable, IRS-compliant benefits.
Retiree Health Reimbursement
Retiree HRA plans support former employees' healthcare needs by reimbursing Medicare premiums and out-of-pocket expenses. Employers can design these plans to fulfill long-term commitments to retirees, covering supplemental insurance costs and medical services. The solution provides ongoing support while maintaining compliance with tax and regulatory requirements.
People
Dr. John Cunningham
Founder
Dr. John Cunningham brings 25+ years of healthcare benefits expertise to Marin Benefits. As founder, he pioneered innovative HRA solutions that combine employer cost control with expanded employee access to care. His leadership focuses on compliance, technology integration, and community impact.
Questions
How does a Health Reimbursement Arrangement (HRA) work?
An HRA is an employer-funded plan that reimburses employees for eligible medical expenses. Employers define coverage parameters, and reimbursements are tax-free to employees while remaining deductible for businesses.
What expenses are eligible for HRA reimbursement?
Employers determine eligible expenses, which may include medical, dental, vision, and alternative treatments. Common categories include prescriptions, deductibles, fertility treatments, and assistive devices like hearing aids.
Can I use my HRA for family members' expenses?
Eligibility for dependents depends on employer-defined plan parameters. Check your Plan Benefit Summary in the Member Portal to confirm coverage details for family members.
How do I submit claims for reimbursement?
Submit claims through our secure Member Portal, by email, fax, or mail with supporting documentation. Most claims process within two weeks, with payments issued directly to members.
What happens to unused HRA funds?
Unused funds typically remain with the employer unless the plan includes a carryover provision. Check your Plan Benefit Summary for specific details about your HRA's rollover policy.
Can I access my HRA account information online?
Yes, our Member Portal provides 24/7 access to account balances, claim status, and benefit documents. You can also manage direct deposit settings and submit claims electronically.
