plan document needed?

[betheeg]

We have a client that has a health insurance plan with a $1000 deductible. The company has agreed to pay any bills until the deductible is satisfied, then the insurance kicks in. Is this an HSA? If not, what kind of arrangement is it? If so, they need a plan document, correct? And should it be administered by a third party (right now they are doing it in house)? Any help is appreciated...my knowledge on these is so limited.

Thanks

[Guest b2kates]

without requiring any employee contributions, it looks like a vanilla medical reimbursement plan under SEction 105(h).

yes needs plan document, normally at most it is just a couple of pages,

Still governed by ERISA and IRC.