PayDirect^® HRA Xtreme is an extensive, conformable, effective software solution for administering High-Deductible Health Plans (HDHP) and complex Health Reimbursement Arrangements (HRA). If you choose to offer a conventional insurance benefit package by purchasing a high-deductible policy and self-insuring for the coverage difference, this product can manage all of your unique plan designs.

Because this product was created from our traditional Insurance product line, it uses the same business rules, plans and policies as a conventional medical insurance program. With extensive plan definition options, you can easily mimic the look and feel of a traditional medical plan. The PayDirect^® HRA Xtreme advantage is that you can build complex medical, HRA and high deductible plans by specifying the individual and family deductible, as well as the tier values that will be paid after total claims exceed the deductible amounts. You can specify the payout percentages by employee, by employer, and by carrier. Business rules can be established to auto-adjudicate according to specific co-pays, co-insurance, deductibles, procedure codes, etc.

Accurate, efficient claims adjudication is guaranteed with a consistent, user-friendly interface, rules-based plan design and powerful workflow automation tools. Customer service is improved with our secure, self-service Web portal, providing real-time access to account balances, claims status, claims history, plan documents and extensive reporting.