HRA
A Health Reimbursement Account (HRA) is an account you can use to pay for medical expenses. Your employer owns and funds the account, while you use it to pay for qualified medical expenses.
Watch the video below to learn more about how the Learning Center can help you make the most of your account.
Further Learning Center Tour from Further on Vimeo.
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Quick Answers
- What types of expenses are eligible to be reimbursed from my HRA?
- Eligible expenses are defined by Internal Revenue Code Section 213(d). Please note your employer can limit the types of expenses that can be reimbursed from the account, so please review your HRA Summary Plan Description provided by your employer for any exclusions before incurring the expense.
- Can I use my debit card to make in-store purchases?
- Yes. Just present your debit card to the merchant to pay for eligible expenses. The account will pay up to the available balance. Keep in mind that some expenses have requirements for eligibility--for example, a valid prescription or a doctor's order. You won't be able to use your debit card for those items, but you can pay out of pocket and get reimbursed from your account later, if you can satisfy the requirements.
Please note, a debit card is only available to you if your employer elected to include them as part of your plan, and for HRAs, they are only available if your plan is an Employer Pays First HRA.
- What documentation might be requested to support my claim?
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Documentation must contain the provider’s name, patient name, date of service, type of service, and total patient responsibility. This information is most commonly found on your explanation of benefits from your insurance carrier or an itemized statement from your provider.
- As an employer, how can I help my employees understand how an HRA works?
- Communications playbooks are tools that employers or benefits administrators can use to help educate employees about their spending accounts. The playbooks are filled with links to print materials, PowerPoint templates, email tips, commonly-used forms, and more. They can be used during open enrollment, or whenever an employee has questions about their accounts.
Check out the HRA Communications Playbook under Employer Resources.
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Further is an independent company that offers spending accounts to members of Blue Cross and Blue Shield of Louisiana, an independent licensee of the Blue Cross and Blue Shield Association.
