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Horizon CDH Learning Site

Playbook - Employees Pay First Without Crossover


Health reimbursement arrangements (HRAs) are a great way for employees to take charge of their health care costs. As an employer, you play a critical role in providing education and resources so employees can decide if an HRA is the right choice.

This step-by-step communication “playbook” includes everything you need to communicate the benefits of HRAs to your employees and help them get their accounts set up hassle-free to use now and into the future.

Introduce the HRA

Whether you're introducing HRAs to the entire organization, onboarding new hires, or reviewing options before open enrollment, you'll want to give a high-level overview of HRAs.  


Send an introduction letter 

Customize and email this message, designed to be a message from your human resources leader or team. 


Cover the basics

Offer specific details about how the account works with a health plan, which eligible expenses are covered, and how members can access their funds.


Distribute this HRA Essential Guide

Share a product comparison chart 

Use if you are offering multiple health spending account options

This document is editable so you can add or remove products to fit your communication needs and help employees understand the different accounts. 


Talk face-to-face

One-on-one discussions give your employees a chance to ask questions and better understand their options.


Schedule informational meetings

Review our fact sheet

Before meeting, prepare to answer basic questions you may run into.

Provide the HRA worksheet

During the meeting, distribute the worksheet. It shows employees how to estimate their potential costs and savings with an HRA.

Support employees during enrollment

Congratulations! Your employees understand the value in making the most of their health care dollars and have decided to enroll in an HRA. You can continue to play a key role by ensuring they have access to the resources they need to open and use their accounts hassle-free.



Provide employees direct access to their new online account 

Post or provide a link to Horizon’s mobile-enabled website at The site works well for any screen size—whether it’s a desktop monitor, laptop, tablet, or mobile phone. 

Remind employees where to access educational resources

You can do this with a simple email with a link to information and forms.

 HRA educational resources

Promote the customer support phone number


Use the Group Online Service Center

Monitor and manage your group’s Horizon benefits.

Group Online Service Center tipsheet

Have Questions?

As always, we’re here to help. If you can’t find the answers you’re looking for online, give us a call at 1-888-215-0025 8 a.m. to 5 p.m. Central Time, Monday through Friday. Or, you can contact your account manager.