How the HRA Works

Your Health Reimbursement Account (HRA) is not all that complicated. You just need to understand a few of the rules:

  • The Fund uses your available HRA balance first to help pay your share of eligible medical and prescription drug expenses.
  • When your HRA funds are used up, you must use your own money to pay any remaining deductible, your share of coinsurance, and prescription drug copays.
  • In order to use HRA dollars for prescription drug costs, you must “opt-in” for this benefit each year. You can do so at any time; just return the Rx-HRA Option Form to the Fund Office. You can get a copy of the form here or request one from the Fund Office.
  • Your HRA cannot be used to pay for vision, dental and orthodontic expenses.
  • If you don't use your entire HRA balance during the calendar year, it rolls over for use in future years, as long as you stay enrolled and eligible in the Indemnity PPO Medical Plan.
  • You can’t contribute your own money to your HRA.
  • Your HRA doesn’t earn interest and cannot be cashed out.
  • You can keep track of your HRA balance through quarterly statements provided by the Fund. The  statements show the Healthy Activities processed, the contributions made to your HRA, and the amounts paid from your HRA for your eligible expenses.