(248) 547–3677 info@josephaiello.net

HR Professionals

At JA&A, we help Human Resource Professionals by taking the burden of benefit plan designs, employee benefit disputes, premium rate negotiations and more off their shoulders, allowing you to focus on your most important asset – productive employees.

See how we help HR Professionals every day

JA&A provides access to the most widely used enrollment system in the United States, Employee Navigator, at no additional expense to you.

At JA&A, we work with your employees when they run into claim challenges with your insurance carriers. If they are unable to resolve a claims matter after one or two phone calls, let us get involved.

We will either get it paid or provide them with an accurate explanation of why it was not payable.

  1. Plan Document/Summary Plan Document
  2. Section 125
  3. COBRA
  4. Government Mandated Notices
  5. Affordable Care Act

Saving 20% with Partial Self-Funding

What is a health reimbursement arrangement (HRA)?

A health reimbursement arrangement (HRA) is an IRS-approved, employer-funded health benefit used to reimburse employees for out-of-pocket medical expenses.

  • Many organizations prefer HRAs over traditional group health insurance because of the budget control and tax advantages.
  • Less experienced brokers are not familiar with HRAs so you may not be familiar with them, either.
  • An HRA is not for everyone, but it’s an option we recommend every group explore.
  • This simple concept can save your business 20 percent or more on insurance premiums.

Why consider an HRA?

  • Simple and cost-efficient
  • Lowers insured Medical & Rx premiums by 20% or more
  • Increased flexibility
  • More personalized health benefits
  • Not subject to significant, annual rate hikes

A Large Credit Union purchased a $4,000 / $8,000 medical plan that replaced a $500 / $1,000 deductible plan and used the premium savings to
reimburse employees, using a Health Reimbursement Arrangement (HRA), for out-of-pocket deductible expenses that exceeded their previous $500 / $1,000 deductible.

Our client saved over $65,000 annually or 13% without reducing benefits.

Contact us to learn if an HRA is right for your business.


(248) 547–3677

We will answer your call, not a machine.