Healia

Healia provides a Health Reimbursement Arrangement called the Total Care Option (TCO) for employers whose employees enroll in a spouse's health plan instead of the company's plan. The arrangement is designed to cover premiums and out-of-pocket costs for employees, spouses, and dependents, while giving employers a way to manage healthcare spending. The company states that TCO can cover up to 100% of a family's out-of-pocket expenses and reduce employer costs by up to 76% per enrolled household.

The Total Care Option covers copays, coinsurance, deductibles, and premiums incurred on the spouse's plan. Healia manages the claims process end to end, including reimbursement payments sent directly to employees' bank accounts. An AI-powered Decision Support Tool analyzes health plan details and compares household costs side by side. Employees can submit claims through the platform, and Healia handles processing and payment. The product is intended for employers, brokers, and employees, and is offered as a benefit option rather than a replacement for a company's group health plan.