What happens if coverage is denied for an employee?
If employees are denied, the carrier will refer them to the Washington State Health Insurance Pool (WSHIP) where they generally are offered coverage regardless of medical condition. The Array HRA reimburses for WSHIP premiums. Array provides extensive tools through its application platform to help denied employees apply for WSHIP coverage. Your insurance broker also can aid denied employees with the WSHIP application process. At Array, we strive to ensure that all employees who wish to use their HRA allowance for individual health insurance have a health insurance option.
