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What expenses are eligible to pay with the HRA?

Your plan may have other limits regarding eligible expenses, so check your Summary Plan Description for more information. But in general, you can use the HRA to pay for:

  • Health plan expenses such as copays for doctors’ visits
  • Medical costs that are part of your health plan deductible, or not paid for by your health plan
  • Eye exams, eyeglasses and contact lenses
  • Hearing aids
  • Dental care and orthodontic treatments
  • Pharmacy copays
  • Insulin and diabetic supplies
  • Doctor prescribed alternative treatments


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How can I manage the account online?

You have access to helpful online resources that let you find out information about the HRA through the same website you use to manage your health plan. Just log in and click Spending to quickly view HRA information and manage the account anytime, from anywhere, from any computer or mobile device.  You can:

  • Review your most recent activity and payments
  • View your processed debit card transactions, if applicable
  • Enter a claim online and upload the receipts
  • Manually submit claims for payment if you don’t have the “auto-submit” option
  • Check the status list to see if you need to do anything for a claim to be paid
  • Sign up for direct deposit


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Can I get reimbursed through direct deposit?

Yes, and it’s faster than waiting for a check! Make sure you sign up for direct deposit on your member website.


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What is the “direct payment to provider” option?

With “Direct payment to provider”, the HRA pays your health care provider for you once a claim is submitted to the HRA—so you don’t have to worry about sending checks to your doctor. And, if your plan also includes the “auto-pay” or automatic submission of claims directly from your health plan, there’s no worry about forgetting to submit a claim.

If my provider is being paid directly, why did I get a bill?
There are several steps in processing payment from the HRA. The claim must be processed first. Then any amount that has not been paid is submitted to the HRA to determine if it’s eligible for payment. This process may take several days, and your provider will not be paid until the process is completed. So, during that time, your provider may bill you for that service. Do not pay the bill until you check the status of your claim.

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Why didn’t the HRA pay my provider’s bill?

Check your member website first to find out the status of your claim. You may learn that the claim is being processed, or that the provider has been paid or will be paid soon. Don’t pay the bill until you check the status of your claim. This will help avoid the provider being paid twice for the same claim. To find out what you may owe, log into your account and click on View Transactions from the Spending page.


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How do I submit my own claims?

You may need to gather additional documents to prove that your health claim is eligible for reimbursement. The Internal Revenue Code has guidelines about what health care expenses may be reimbursed by an HRA, and your plan may have its own requirements as well.

Go online to view your HRA, and then go to the Claims tab. If your health plan processed the claim already, you may be able to “click” on the claim detail listed there to submit the claim directly to the HRA—with no other action or documents needed.

To submit a claim to the HRA that wasn’t processed by your health plan, just enter your claim information right on the website.  Be sure that your claim expense falls within the rules of the plan. After you enter your claim details, support your expense by uploading an Explanation of Benefits (EOB), Plan Activity Statement or other detailed receipt from your computer or mobile device.

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What should I know about my HRA debit card?

Some employers offer debit cards instead of offering the direct payment to provider or “auto-pay” option. A debit card is a convenient way to pay for eligible health care expenses.


Why did I get a PIN?
All spending account debit card holders must have the option to select either a debit or credit transaction when using their cards at the point of sale. One PIN will be mailed to you, the cardholder. You can share this PIN with your spouse or dependents since the same PIN can be used for all cards associated with your account.

Can I withdraw cash using my debit card?
No, debit cards and PINs cannot be used to withdraw cash at ATMs or at the point of sale.

What to do if your debit card is lost or stolen or you forget your PIN: Report a lost or stolen debit card at your member website immediately and we’ll get a new card to you as quickly as possible.  You may reset your PIN on your member website.


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Why did I get a letter asking for debit card receipts?

The Internal Revenue Code requires that all transactions be verified. Usually when you use your debit card to pay a medical expense, this verification occurs automatically. But sometimes there’s not enough information available through the electronic transaction to prove that the expense is eligible under your plan. That’s when you receive a letter requesting additional information about your health expense purchase.  You just need to respond with the proper documentation. For even quicker convenience, you can use your smart phone to take a photo of the receipt, then log into your account and upload the receipt image to your claim.  

And it’s best to do it quickly, as you will receive a follow-up letter if you don’t respond.  Your debit card may be inactivated until the information is received, as all HRA plans require that expenses are verified to make that sure they comply with the Internal Revenue Code.

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What happens if my debit card is lost or stolen?

Please report a lost or stolen debit card at your member website immediately and we’ll get a new card to you as quickly as possible.

Log into your account, then select the Manage Debit Card link on the Spending tab to handle all of your important debit card tasks.

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