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What's an HRA?

A Health Reimbursement Account (HRA) helps you pay for expenses not covered by your health plan. The account is set up and funded by your employer — you don’t have to contribute a thing. In most cases, the HRA will cover expenses not paid by your health plan, such as coinsurance, copayments and deductible amounts.  To learn what expenses your company’s plan covers, check your open enrollment or benefit materials, Summary Plan Description or other documents that describe the HRA in more detail.

Do I have to contribute to the account?

No. Your employer sets up the account and makes all of the contributions. You simply use the money to help pay for health expenses not paid by your insurance. The money in the account isn’t considered part of your income so you won’t pay taxes on it.

What expenses can I pay with the HRA?

The Internal Revenue Code specifies how HRA funds can be used. Covered expenses typically include out-of-pocket expenses, such as deductibles or copays for medical, dental and vision products or services performed by health professionals for you and your family. HRAs can also pay for other certain medical expenses.  Your plan may add more guidelines about eligible health care costs, so check your open enrollment or benefit materials, or Summary Plan Description to confirm what your plan covers.

How long do I have to submit claims?

You can typically submit a claim any time during your benefit plan year. For example, if your benefit plan year runs from January through December and you visit the doctor shortly after your plan year starts in January, you have through December to request reimbursement. Some plans give you extra time to submit claims past the end of the plan year. This is called a run-out date or grace period.

Once you’re enrolled in the HRA, find your claim submission deadline by logging onto the member website, and looking for your plan's Run Out Date. It is displayed along with other important account details on the Spending tab. You can also check your Summary Plan Description and other benefit materials to see if the HRA allows additional submission time.

What happens to money I don’t use during the year?

That depends on your plan. In many cases, any money left in the account expires at the end of the year.  However, some plans allow you to roll over all or part of the unused funds into the next year’s HRA to cover future health care expenses.  To see if your plan offers a rollover option, review your open enrollment or benefit materials, or check your Summary Plan Description.

What happens to my money if I leave my job?

Depending upon the terms of your plan, you may still be able to submit claims to the HRA after you leave your job if the expenses relate to the period before you left your job. However, if you’re eligible for and select continuation of HRA coverage under the federal law known as “COBRA,” your HRA benefits may continue. Check your Summary Plan Description or other benefit materials for more information about your HRA benefits and COBRA.





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