HRA

If you don’t need health insurance, you may be eligible for the Waiver General Purpose Health Reimbursement Arrangement (HRA).

You MUST elect the Waiver General Purpose HRA during Open Enrollment or you will NOT receive money on the card.

Your employer will contribute $175 per month, up to $2,100 per year, to your HealthEquity debit VISA Healthcare Card. It will be funded in two equal installments: $1,050 on January 1 and $1,050 on July 1.

You have until March 31 of the following year to request reimbursement for eligible expenses that occurred between January 1 and December 31.

The balance remaining in your Waiver General Purpose HRA (up to $2,100) at the end of plan year will carry over to the following year as long as you continue to waive your health insurance coverage and elect a Waiver General Purpose HRA.

Expenses that may be reimbursed under your Waiver General Purpose HRA include:

• Medical and prescription expenses including over-the-counter (OTC) medications, feminine products, and certain protective equipment, such as face masks and hand sanitizer.

• Co-payments and co-insurance.

• Certain dental fees such as fees for exams, cleanings, fillings, and crowns.

• Orthodontic treatment.

• Vision fees, including fees for exams, contacts, eyeglasses, and laser vision correction.

• Medical supplies such as wheelchairs, crutches, and walkers.

The Waiver Limited Purpose HRA is available to those who have individual or government-sponsored health insurance such as Medicare, Medicaid, orTricare and don’t need a health plan.

This HRA only covers dental and vision expenses incurred by you and your dependents.

Your employer will contribute $175 per month, up to $2,100 per year, to your HealthEquity debit VISA Healthcare Card. It will be funded in two equal installments: $1,050 on January 1 and $1,050 on July 1.

You have a 90-day run out period until March of the following year, to request reimbursement for eligible FSA expenses that occurred between January 1 and December 31.

The balance remaining in your Waiver Limited Purpose HRA (up to $2,100) at the end of the play year will carry over to the following year, as long as you continue to waive your health insurance coverage and elect a Waiver Limited Purpose HRA.

Note: The Waiver Limited Purpose HRA is not dental or vision insurance, but it may be used to pay for or reimburse you for dental and vision expenses. Examples of expenses that may be reimbursed from your Waiver Limited Purpose HRA include:

• Certain dental fees, such as cleanings, fillings, and crowns.

• Orthodontic treatment.

• Vision fees, including fees for exams, contacts, eyeglasses, and laser vision correction.

The LivingWell CDHP plan includes a HealthEquity debit VISA Reimbursement card.

The card is pre-funded with $500 if you have single coverage or $1,000 if you have couple, parent-plus or family coverage levels.

You may use the HRA to help pay for your co-insurance, which reduces your deductible. 

You may use this card at your doctor’s office, hospital or pharmacy. Simply swipe the card to help pay for your eligible expenses, which will be deducted from your card balance.

You can also use this card to pay for eligible vision and dental expenses. These expenses do not reduce your deductible.

Your HRA funds may roll over to a subsequent year, up to a maximum of $7,500.

With the LivingWell Basic CDHP plan you will receive HRA funds through a HealthEquity debit VISA Healthcare Card.

The card is pre-funded with $250 if you have single coverage, or $500 if you have couple, parent-plus, or family coverage levels.

You may use the HRA to help pay for your co-insurance, which reduces your deductible.

You may use this card at your doctor’s office, hospital, or pharmacy. Simply swipe the card to pay for your eligible expenses, which will be deducted from your card balance.

You can also use this card to pay for eligible vision and dental expenses. These expenses do not reduce your deductible.

Your HRA funds may roll over to a subsequent year, up to a maximum of $7,500.

A Healthcare FSA lets you put pre-tax money into an account to use for out-of-pocket expenses, such as deductibles, co-payments, and co-insurance for medical claims, prescriptions and some over-the-counter medications and supplies.

You can also use a Healthcare FSA to cover eligible dental and vision costs.

The money you elect to contribute for the entire year is available to you on a pre-funded Healthcare VISA Card on Jan. 1. 

If you already have a Healthcare Flexible Spending Account (FSA), and you want it again for the following year, you must always re-enroll.

Important information and the advantages of opening an HSA can be found in this section