Employees submit claims for health insurance premiums and other medical expenses to ZaneHRA online, via fax, or mail. Once submitted, claims are processed by ZaneHRA (typically in 1-2 hours) and employers click a button periodically to reimburse employees via check, payroll addition, or direct deposit. ZaneHRA never touches the employer's money—all reimbursements go directly from the employer to the employee at the time and method chosen by the employer.