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Playbook - Shared Payments Without Crossover

This communication playbook will help you introduce HRAs to employees when payments are shared in your plan and you are not offering crossover (automated claim payments).


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 for the first time or updating new hire orientation materials, it’s the perfect opportunity to educate employees on the value of HRAs. Give them answers to basic questions like “what is an HRA?” or “why is my employer offering this benefit?” and “when will this be available?”


Send this introduction letter 

This customizable communication can be emailed to employees to introduce HRAs and to familiarize them with Further as your HRA administrator. Designed to be a message from your human resources leader or team, the letter can be used for both new hires and existing employees during orientation, as well as for pre-open enrollment education.


Go beyond the basics

Some employees will have questions beyond the basics and will look to you for more details. Be prepared to answer questions like “how is an HRA funded?” or “how much do I need to contribute for my family’s needs?” and “how do I get started?”


Distribute this HRA Essential Guide (Download the guide in Spanish

Provide employees with this easy-to-use and engaging HRA overview, or better yet, link to it in the introductory HR email. This guide contains specific details about an HRA, how the account works with a health plan, which eligible expenses are covered, and more.

If you are offering multiple health spending account options, share this product comparison chart to help employees understand the differences.

This chart is a Word document that is editable to allow you to make changes and add or remove products to fit your communication needs.


Schedule informational meetings

Sometimes face-to-face communication is best. Schedule informational meetings so your employees can have one-on-one discussions and ask questions. You can also provide some useful tools and resources to help employees decide if an HRA is a good choice. Before your meeting, review our HRA fact sheet. This fact sheet covers basic questions and answers you may run into as you introduce the HRA account.


Provide the HRA worksheet – This easy-to-use worksheet shows employees how to estimate their potential costs and savings with an HRA. (Download the worksheet in Spanish)


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 with direct access to their new online account by posting or providing a link to Further’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.

Promote the customer support phone number: 1-800-859-2144.

Reference this information about the Group Online Service Center, which you can use to monitor and manage your group’s Further benefits.

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 1-888-460-4013 8 a.m. to 5 p.m. Central Time, Monday through Friday. Or, you can contact your account manager.