Health coverage designed around your family

With Healia’s Total Care Option, your family can move to your spouse’s plan and get up to 100% of your health insurance costs covered.

Trusted by hundreds of employers and brokers nationwide.

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The Total Care Option (TCO)

Coverage that puts families first

The TCO is a Health Reimbursement Arrangement (HRA) your company offers to help cover premiums and out-of-pocket costs when you enroll in a spouse’s plan through their employer. Your company reimburses copays, coinsurance, deductibles, and more, often covering up to 100% of your family’s healthcare costs.

1. Your family enrolls in your spouse's plan
   If your spouse's company offers health coverage, your eligible family members can move to that plan without losing support from your own company.

2. Your company funds your TCO account
   This account can cover your premiums, copays, deductibles, and other out-of-pocket costs for your family.

3. We reimburse you quickly and easily
   Submit claims in under a minute and get money sent directly to your bank account with no extra paperwork or hassle.

Real financial relief your family can feel

The TCO means less stress about medical bills and more money left for what matters most: your family.

up to
100%
of copays, deductibles, premiums, and other costs covered

As much as
$26,000
in additional value for your medical care

What other employees are saying:

Monet Hall
Staff Accountant at Adswerve
’’Healia is 100% saving me money on my healthcare costs. They've helped me get a lot of my medical expenses reimbursed, so we're not seeing the same hit to our account as we were before. I fully support Healia and think what they're doing is great.’’

Have questions?

Families using Healia are saving money, reducing stress, and getting more peace of mind from their healthcare.

Not sure whether the TCO is the right fit?

Choosing a health plan can be confusing, especially when you and your spouse both have options at work. Our AI-powered Decision Support Tool makes it simple:

• Shows your household's true costs across every plan combination
• Lets you upload your spouse's plan for a side-by-side comparison
• Helps you choose with confidence knowing you have the best option

under 2 min
to learn about the best plan
average of $2,100
in savings per year just from using the tool

Have a question about the TCO?

Contact Us