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CafeHealth

Services

Benefit programs, administered clearly

Each program below describes what it is, who it helps, and how CafeHealth supports it. This information is general and is not tax, legal or medical advice.

COBRA

COBRA Administration

What it is
COBRA allows eligible employees and their dependents to continue group health coverage after certain qualifying events, subject to federal rules and timelines.
Who it helps
Employers subject to COBRA requirements, and former employees or dependents who need to continue coverage.
How CafeHealth supports it
CafeHealth administers required notices, election tracking, premium billing and collection, and participant questions, so your team is not managing deadlines and paperwork manually.
FSA

Flexible Spending Account

What it is
An FSA is an employer-established account that lets employees set aside pre-tax dollars for eligible healthcare or dependent care expenses during the plan year.
Who it helps
Employers offering pre-tax benefit options and employees with predictable eligible expenses.
How CafeHealth supports it
We handle plan setup, participant enrollment support, claims processing, substantiation, and ongoing participant service.
HSA

Health Savings Account

What it is
An HSA is an individually owned account available to people enrolled in a qualifying high-deductible health plan, used for eligible medical expenses.
Who it helps
Employers offering high-deductible plans and employees who want an account that stays with them.
How CafeHealth supports it
CafeHealth supports employer setup, contribution coordination, employee education materials, and participant support.
HRA

Health Reimbursement Arrangement

What it is
An HRA is an employer-funded arrangement that reimburses employees for eligible medical expenses according to the plan design the employer selects.
Who it helps
Employers who want to fund a defined level of medical expense support with predictable budgeting.
How CafeHealth supports it
We help design the reimbursement structure, administer claims and substantiation, and support employees through the reimbursement process.
ICHRA

Individual Coverage HRA

What it is
An ICHRA allows employers to reimburse employees for individual health insurance premiums and certain medical expenses instead of offering a traditional group health plan.
Who it helps
Employers seeking more predictable benefit budgeting, and employers with distributed or varied workforces.
How CafeHealth supports it
CafeHealth supports class design, employee communications, enrollment coordination, substantiation and ongoing administration.
LSA

Lifestyle Spending Account

What it is
An LSA is an employer-funded account that reimburses employees for wellbeing or lifestyle expenses the employer chooses to support.
Who it helps
Employers who want to broaden their benefits offering beyond traditional medical accounts.
How CafeHealth supports it
We help define eligible expense categories, administer reimbursements, and support employees with questions.

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