A Health Reimbursement Account (HRA) is an account that is used to pay for out-of-pocket medical expenses with funds from Excelligence when you are enrolled in the HRA Medical plan. The funds are used automatically to pay for eligible medical expenses for you and/or your covered dependents.
Please note: You the employee may not contribute to the HRA account and there is no HRA card. Payments from your HRA account are handled automatically by UHC when you receive health care services. You can log into your myuhc account anytime to see your balance and transactions.
Carlos is a 35-year-old single man who is healthy, with the exception of an occasional injury. He enrolled in the UHC Select Plus HRA with a:
Year 1 |
|
|---|---|
| Carlos' beginning HRA balance | $1,000 |
| Carlos receives an annual preventive care exam that’s covered 100% by his health plan | $0 |
| He also receives care for his sports injuries, including an urgent care visit (applied to the deductible) | $400 |
| Medical expenses | $400 |
| The HRA pays first | ($400) |
| Carlos pays | $0 |
| Carlos’ fund balance to carry over to next year’s HRA | $600 |
Year 2 | |
| Carlos’ carryover from year 1 | $600 |
| Employer’s contribution | $1,000 |
| Carlos’ beginning balance | $1,600 |
| Carlos receives an annual preventive care exam from his in-network doctor that’s covered 100% by his health plan | $0 |
| He visits two specialists and receives prescription medications (applied to the deductible) | $300 |
| And has an outpatient procedure on his knee (applied to the deductible) | $2,000 |
| Medical expenses | $2,300 |
| The HRA pays first | ($1,600) |
| Carlos pays to meet his $2,000 deductible | ($400) |
| Remaining costs | $300 |
| Carlos’ health plan pays 90% | ($270) |
| Carlos pays his 10% coinsurance | ($30) |
| Carlos’ total out-of-pocket costs for the year | $430 |
This active family of four is covered through Mr. Cooper’s company health plan. Their oldest daughter has diabetes. Mr. Cooper enrolled his family in the UHC Select Plus HRA with a:
Year 1 |
|
|---|---|
| The Cooper’s beginning HRA balance | $2,000 |
| All four family members receive annual preventive care exams, in-network, that are covered 100% by the health plan. | $0 |
| Daughter receives in-network care for her diabetes, including regular doctor visits and prescription medications | $8,000 |
| Medical expenses | $8,000 |
| The HRA pays first | ($2,000) |
| The Coopers pay to meet their $6,000 deductible | ($4,000) |
| Remaining costs | $6,000 |
| The Cooper’s health plan pays 90% coinsurance | ($5,400) |
| The Coopers pay their 10% coinsurance | ($600) |
| The Cooper’s total out-of-pocket costs for the year | $5,600 |
