Group health plans, HRAs, and the SBC

[Guest morris]

We are wondering if an HRA (such as a deductible reimbursement plan) that is intertwined with a group major medical plan will require a separate SBC. Presumably so. However, in attempting to write one, it makes no sense without constant reference to the group major medical plan.

It seems to us that the group major medical SBC should incorporate the HRA info for it to make complete sense. In so doing, a separate SBC for the HRA would not be necessary.

Your comments and thoughts?

Thanks!