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HRA - Health Reimbursement Account

HRA basics
The HRA is like a healthcare “expense account” funded by your employer. You can use your HRA money for medical expenses like doctor’s office visits and prescription drugs, as well as other qualified healthcare costs. The amount of the HRA varies by employer.

Your employer determines what types of expenses are qualified, within guidelines defined by the Internal Revenue Service (IRS). Most employers’ plans cover medical and prescription drugs. You can find sample qualified expenses on - and you can find your employer’s specific qualified expense categories in your Benefit Plan Document. To avoid any inconvenience down the road, make sure to keep receipts every time you use HRA funds. Because of IRS rules, Febco may contact you to verify that your expense was qualified.

The HRA is typically combined with a High Deductible Health Plan, or “PPO,” plan. You may have a higher deductible than with other plans – but HRA funds can be used to cover part of your deductible.

Also known as a Health Reimbursement Arrangement

“Personal Care Account” is another name for what the IRS calls a “Health Reimbursement Arrangement.” FEBCO calls it a “HRA” to make it clear that the account is for your “personal” healthcare expenses.

HRA advantages
Here are some of the many reasons to like your HRA:

   Reduce your deductible with HRA funds When you use your HRA for medical expenses like
     doctor’s office visits, the expense applies to your deductible – so you can “pay down” your deductible with
     money your Plan supplies.
   Spend HRA dollars with a swipe You don’t have to file claim forms when you use the BPS Benefits
Debit Card. At many healthcare provider locations, you can use your card to pay directly from your
      account – just make sure to save your receipt in case we need to verify your expense.
   No copayments for medical services HRA plans typically don’t require copayments for medical
      expenses, including doctor’s office visits, preventive care, and hospital services. When you go to a
      doctor’s office, just ask them to bill you. Then, when you receive the bill, give the doctor’s office
      your Febco Benefits MasterCard number to pay directly from your HRA.
   You’re in control You can use your money in lots of ways – qualified expenses usually include out-of-
      pocket costs for medical care and pharmacy expenses.

Spending HRA funds

Qualified expenses
You can spend healthcare HRA funds on items approved by your Plan and the IRS. Most employers typically allow:

   • Medical services like doctor’s office visits and hospital services
   • Prescription drugs

But remember, your employer can put further restrictions on HRA-qualified expenses. Your Plan can restrict an entire category but cannot exclude a specific service like Lasik. For details on qualified expenses for your plan, check your Benefits Plan Document.
With a HRA plan, you typically don’t have a copayment at the doctor’s office, urgent care center, or hospital. If this is the case, just ask the provider to file the claim and then use your BPS Benefits Debit Card to pay later.

   • Pay nothing at the doctor’s office and wait for the doctor to send you a bill showing the discounted rate
      and what you owe. See below for information about what to do if the office staff wants payment before
      your healthcare provider processes your claim.
   • Check the credit card payment box on the bill, write your card number and expiration date, and mail the
      bill back to your doctor – or you can call the doctor’s office and give your card number over the phone.
   • If the doctor’s office doesn’t take debit card payments, pay the balance another way – such as with a
      personal check – and then get reimbursed from your HRA.

Most providers don’t mind waiting to send you a bill after the provider processes your claim. That way, they know you’re paying exactly what you’re responsible for, such as your deductible or coinsurance amount. However, providers are allowed to request payment up front – and some do.