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What expenses are eligible to pay with the HRA?

In general, you can use the HRA to pay for:

  • Health plan expenses such as copays for doctors’ visits
  • Medical deductible costs  
  • Pharmacy costs
  • Eye exams, eyeglasses and contact lenses
  • Dental care and orthodontic treatments

Your plan may have other limits regarding eligible expenses, so check your Summary Plan Description for more information.

How can I manage my HRA online?

Just log in to your health plan member website and click the Spending tab to quickly view HRA information and manage your account anytime, from any computer or mobile device.  You can:

  • Review your most recent activity and payments
  • View your debit card transactions (if you have a debit card)
  • Enter a claim online and upload the receipts
  • Sign up for direct deposit

Can I get reimbursed through direct deposit?

Yes, and it’s faster and more secure than waiting for a check! Make sure you sign up for direct deposit on your member website. And there is no minimum amount required for direct deposit repayments, as there is with paper check repayments.

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.

Why didn’t the HRA pay my provider’s bill? Why did I get a 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.

How do I submit my own claims?

To submit a claim to your HRA that wasn’t processed by your health plan, log in to your member website and click the Spending tab. Click Enter New Claim and complete the required information.
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.

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 from an ATM or at the point of sale.

How do I report my card lost or stolen?
Report a lost or stolen debit card at your member website. Go to the Spending tab, and then click the Debit Card link. Or call member service number on the back of your medical insurance card.

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

The Internal Revenue Code says we must confirm that all debit card purchases are for eligible expenses.  Usually, with debit cards, this happens as part of the transaction. But sometimes, there is not enough data to confirm that your purchase is an eligible expense.

In this case, you need to submit a copy of your receipt. You will get a letter telling you what to do. You can scan and upload your receipt, or use your smart phone to take a photo of it and attached it to your claim.

If we don’t get this document promptly, you will get a second letter. To follow the IRC rules, we may have to shut down your debit card temporarily until all receipts are submitted. 






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