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HRA – Account use and eligibility

Learn to use your Health Reimbursement Arrangement

Updated over a week ago

You can manage your Health Reimbursement Arrangement (HRA) details by logging into your account.

Read on to find out specific details of your HRA use, or jump to a section with these links:

How do I check my HRA balance?

Log into your HRA account to see your dashboard and manage the account:

  • Check account balances

  • Submit claims and view claims status

  • Look up eligible expenses

  • Upload and store receipts

  • Select your reimbursement methods (by check or direct deposit into your bank account)

  • Choose to receive account alerts by email or text

Do HRA funds roll over?

Since the terms of your HRA are defined by your employer, you’ll need to review your plan details to determine whether your HRA funds roll over year to year.

How do I get reimbursed for expenses using HRA funds?

Your employer determines which expenses are eligible for reimbursement. Most plans reimburse eligible expenses up to the full available balance under a HRA. If your HRA is based on an accrual, you'll only be reimbursed the amount you've earned. Review your plan details for your specific eligible expenses.

What happens to my HRA funds if I leave my employer?

Since your HRA is funded by your employer, the funds in your HRA belong to your employer when you resign, retire, or terminate.

Please view your Summary Plan Description about details to continue coverage when you leave your job or submit claims for expenses that have already been incurred.

How do I submit a claim for reimbursement?

You can submit claims online in your account for reimbursement.

Follow the steps below to submit claims for reimbursement:

  1. In your account, select the type of claim you want to submit.

  2. Go through all of the steps to complete the claim details and information.

  3. Review and submit claim.

  4. Upload a digital image of your documentation. You must include the documentation/receipt information or your claim will not be processed for reimbursement.

You will receive an email when we receive your claim documentation to let you know it’s in the processing queue.

For quick processing, please make sure that your receipts and documentation include the following five pieces of information: 

  1. Patient's Name: The name of the person who received the service or for whom the item was purchased for. For retail store purchases, this information may be excluded. 

  2. Provider's Name: The provider that delivered the service or where the item was purchased. 

  3. Date of Service: The date on which services were provided or the item was purchased. 

  4. Type of Service: A detailed description of the service provided or item purchased. A bag tag is sufficient for prescriptions. 

  5. Cost: The amount you paid for the service or product and/or the portion that is not reimbursed through your insurance carrier. 

How do I submit a claim for Medicare premiums?

You can submit claims for Medicare premiums online. Follow the steps below to submit claims for reimbursement:

  1. From your account dashboard, select Reimburse Me.

  2. When claiming for insurance premiums, you will need to submit proof of coverage and proof of payment. For proof of payment, it needs to be a statement showing you have paid for the premium. For example: a statement from your insurance provider, the front and back of a cashed check, or a bank statement. If the payment is taken out of your Social Security check you can send in your Social Security statement or SSA-1099 form as proof of coverage and proof of payment.

  3. Select Other Services from the drop-down menu to find Medicare premiums, and choose the exact type of claim you are submitting. For example: if it's Medicare Part B, select Medicare Part B.

To set up a recurring monthly payment, you can submit the Cost of Living statement from the Social Security Administration and set the time frame for the entire year. For example: select 01/01/21 - 12/31/21 to be automatically reimbursed every month in 2021.

How can I request reimbursement from my retiree HRA? 

A retiree Health Reimbursement Arrangement (HRA) is an employer-funded account designed to help retired employees pay for plan-eligible medical expenses during retirement. Each retiree HRA is different in terms of what expenses can be reimbursed. Please consult your plan documents for specific information on your plan. 

If you are able to reimburse premiums from your HRA, you must submit documentation that includes: 

  • Name of the provider, merchant, or health plan carrier 

  • Name of the individual covered by the health coverage 

  • Dates of coverage 

  • Type of premium 

  • Amount owed/paid 

For private healthcare premiums, please submit documentation that includes evidence of payment, such as a copy of the front and back of a check, along with the provider's invoice or bill. 

For all other reimbursement requests, documentation must include these five key pieces of information: 

1. Name of the provider 

2. Patient name 

3. Description of service 

4. Date the services were provided 

5. Amount owed/paid 

Note: Credit card receipts and canceled checks are not sufficient documentation. 

How to submit your request

Log into your HRA account. You will select which account you want the reimbursement from. Follow the prompts and upload your documentation to the claim. 

Please remember that not all plans reimburse all expense types. Consult your plan documents first before submitting a claim. 

How do reimbursement arrangement claims work for braces and other orthodontia? 

You may be able to use your Health Reimbursement Arrangement (HRA) to pay for orthodontia expenses with pre-tax dollars. 

Note: Orthodontia must be listed as an eligible expense for your plan. 

You can only be reimbursed for the portion of orthodontia expenses that are not covered by insurance. 

If you use your reimbursement account for treatment, you cannot claim those expenses on your tax return. 

Lump sum payments for orthodontic services may be greater than your election. If you are making payments which span multiple years, you can be reimbursed up to your election for each year. 

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