ALL ABOUT HRAs
Spend and save
Spend the money your employer provides
With HRAs, your employer puts money in the account for you. You can use the money for certain eligible out-of-pocket health care expenses for you and your dependents.
Save your money for other needs
Since you’re using employer funds for health care expenses, you can save your own money for other things you might need. The best part? Your employer may allow unused money to roll over to the next year.
Enjoy easy access to your money
Your employer may offer the PayFlex Card® with your HRA. If so, you can use the card to pay for eligible expenses at qualified merchants. Don’t have the card? No problem. Just pay for those expenses out of pocket. Then you can pay yourself back with your HRA through the PayFlex Mobile® app or website.
Learn more about Health Reimbursement Arrangements
COMMON ELIGIBLE HEALTH CARE EXPENSES
Tax-free spending on eligible health care expenses
Check out the list of common eligible health care expenses. Use the search bar to find specific items and services. Or you can click on the column headers in the table to see which are eligible, eligible with a Letter of Medical Necessity (LOMN), or not eligible.
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UNDERSTAND YOUR OPTIONS
Let's take the mystery out of pretax accounts
Not sure which account is right for you? Compare accounts and find the solution that fits you best. Be sure to check your plan to see which accounts are offered.
Learn more about HRAs
An HRA is a health care account that only your employer can fund. You can use these funds to pay for eligible health care expenses. Your employer determines what’s eligible. Some employers may offer other types of HRAs, like a limited HRA, individual coverage HRA or a retiree reimbursement account (RRA).
An RRA is an employer-funded account designed to help you pay for certain eligible medical expenses during retirement. Your employer may fund it while you’re working or not until you retire. You can use the funds to pay for eligible expenses after you retire.
A limited HRA is an account funded only by your employer. It’s offered with a health savings account (HSA). You can use limited HRA funds to pay for your eligible health care expenses. Your employer determines what’s eligible. This account may have two phases — pre-deductible and post-deductible.
Pre-deductible – Before you meet your health plan deductible, you can use your limited HRA to pay for eligible dental and vision expenses.
Post-deductible – Once you meet your health plan deductible, the limited HRA turns into a standard HRA. This means you can use your HRA funds to pay for all eligible health care expenses.
An ICHRA is for employees with individual health insurance coverage or Medicare. It’s funded only by your employer. You can use it to help pay for eligible individual health insurance premiums and eligible medical expenses.
No. These funds are provided to you tax-free.
No. Only your employer can contribute to your HRA.
It depends on your plan. You should check your plan documents for a list of eligible expenses.
Once funds are available in your HRA, you can:
- Use the PayFlex Card®, your account debit card, to pay for eligible expenses.
- Use our online tool to pay your health care provider directly from your HRA.
- Pay for your eligible expenses out of pocket and submit a claim to pay yourself back. You can do this online, through the PayFlex Mobile® app, or complete a paper claim form and fax or mail it to us.
It depends on your plan. You may be able to use your HRA to pay for eligible OTC items, supplies, drugs and medicines. You can use your PayFlex Card® or pay out of pocket and then submit a claim to us.
If insurance premiums are eligible, you would first pay out of pocket. Then submit a claim to pay yourself back from your HRA or RRA. When you submit a claim, you’ll need to include documentation from the insurance company. Below are some examples.
- Coupon slip
- Itemized statement
- Letter on the insurance company’s letterhead
Your documentation needs to include all of the following:
- Name of covered individual
- Insurance company name
- Type of insurance
- Coverage period
- Amount of premium due
You also need to include proof of payment with your claim. Just send a copy of one of these documents:
- Bank statements showing your check to your insurance company has cleared
- Insurance company statement showing payment in full for the coverage period
- Ongoing monthly insurance company statements showing previous months premium payment
- Your Social Security “Cost of Living Statement” or Medicare statement clearly showing the amount of the monthly premium paid for Part B, C, or D
- Cancelled check for premium payment to insurance company (copy of front & back of cancelled check)
- Credit card statement showing payment to insurance company
It depends on your plan. Generally, when you use your PayFlex Card® or submit a claim to us, approved expenses will be paid from your health care FSA first. Once you’ve spent all the funds in your FSA, your HRA will pay your eligible expenses.
It depends on your plan. Generally, any amount left in your HRA at the end of the year will roll over to the next plan year. You just have to be an active employee in the plan. You should confirm your plan details with your employer.