What's wrong with our group health benefits program?

	Everyone's costs go up when even one person gets sick
	Employees lose their health insurance when they lose their job
	Costs increase every year for fewer benefits

What's the Solution?

	Each employee gets their own personal, portable health insurance policy
	Personal policies cost less than 1/2 the price—even from the same carrier as their group coverage
	State-guaranteed personal policies are now available for employees with preexisting medical conditions
	New regulations allow employers to pay tax-free for premiums on personal policies, just as employers do for group coverage

ZaneHRA is a robust web-based SaaS (software-as-a-service) platform that allows employers to manage personal health policies and/or provide real-time reimbursement of personal health policy premiums and other employee medical expenses. ZaneHRA functions as a complete standalone employer health benefits program or as a supplement to an existing group health benefits plan. ZaneHRA is SAS70 approved and complies with all applicable HIPAA, ERISA and U.S. Treasury regulations. See What is ZaneHRA?

Employers open and manage their ZaneHRA completely online, electronically enroll participants and print welcome kits, and monitor expenses and reimbursements in real-time. Employees obtain their own personal health policies, submit premium and medical expenses online, via fax, or mail, and receive same-day reimbursement via check, payroll addition, or direct deposit. Employers also use ZaneHRA for wellness programs and to save money on group health policies by raising the annual deductible and reimbursing employees in real-time for their under-deductible medical expenses.

ZaneHRA is distributed by leading health insurance carriers, payroll providers, financial service institutions and appointed benefits consultants. ZaneHRA has been featured on the front-page of The Wall St. Journal (2007) and USA Today (2008) as well as other national publications. See In the News.

The founder/developer of ZaneHRA (Zane Benefits, Inc.) also founded Extend Health, Inc. in 1999. Today, Extend Health primarily serves large retiree populations (e.g. GM, Ford and Chrysler) while Zane Benefits helps employers provide primacy health benefits for current employees.