The simplest, most overlooked opportunity: Using a Limited-Line HRA to plug one specific gap in a health plan.
Covers a specific gap in a health plan without the cost or complexity of a full MERP
Tax-free, compliant, and easy to administer
Reimburses employees for one or two defined categories of care
Works alongside any group medical plan (including ACA-compliant and fully insured)
Keeps the benefit experience strong without disrupting the rest of the plan design
$5 per employee, per month for narrowly defined benefit categories
Pricing applies to single-benefit or limited-scope designs; broader programs are custom quoted
Reimburses sessions after carrier’s limit is reached
Covers high-cost meds not fully paid by plan
Targets excluded or capped drug categories
Offers flat-dollar support for uncovered services
Covers consults when a specialist is out of network
Reimburses mileage, lodging, or meals for out-of-area treatment
Helps cover a specific service with consistent cost share
Listen for client comments like:
Present the limited-line HRA as:
Sometimes the best move isn’t a big change — it’s a small, smart one.
Let’s fix the flaw.
📧 Contact: sales@ebam.com
📅 Book a 15-min strategy call:
18952 MacArthur Blvd. Suite 4A, Irvine, CA 92612
You’re receiving this as part of the Q4 EBA&M Boot Camp series for broker partners.
Prefer not to receive Boot Camp emails? You can unsubscribe anytime from the link in your inbox.
This Week’s Focus