Health Reimbusement Arrangement (HRA) Accounts FAQ

    Can I use pre-tax salary reductions to contribute to my HRA?

    No, the HRA itself can only be funded with employer contributions. If offered with an insurance plan under a cafeteria plan, your portion of the premium may be paid with pre-tax dollars under a cafeteria plan.

    What types of medical expenses can be reimbursed with the HRA?

    Some companies adopt the IRS Section 213(d) definition of eligible expenses, the same expenses allowed under a healthcare FSA (including medical, dental, vision, prescription drug, and health insurance premium expenses) while other employers limit their plans to specific expenses, such as insurance deductible. Check with your human resources manager if you are unsure what your plan allows.

    How do I submit a claim?

    Complete and sign a Request for Reimbursement from FSA or HRA form  or log into the FSA/HRA portal and submit a claim along with your documentation.

    How do I receive my reimbursements by direct deposit?

    You may sign up for direct deposit:

    1. Sign up through the FSA/HRA portal.
    2. Complete our Direct Deposit form and mail or fax it to us.

    Can I cash out unused HRA amounts before retiring or changing jobs?

    No, the HRA can only be used for reimbursement of medical expenses. The plan may be designed, however, to permit a terminated employee to be reimbursed for medical expenses incurred after the termination date.

    Can I use my HRA funds to pay COBRA premiums after termination?

    It’s up to your employer. You can access your remaining HRA funds as long as you remain on continuation coverage, but your employer can choose whether to allow continuation premium as an eligible expense under their HRA.

    Does my full HRA balance carry over into the next plan year?

    Sometimes, although because we allow employers to set rules on the HRA carry over provision, many choose to impose an annual carry over maximum. Your plan may also have a cap on the total HRA account balance.