Health Reimbursement Arrangement (HRA)

What is a Health Reimbursement Arrangement?

Health Reimbursement Arrangements (HRA) are employer-funded plans that reimburse employees for certain out-of-pocket medical expenses. You must submit paperwork in order to receive a reimbursement.

How does it benefit me?
  • You may save money on insurance premiums deducted from your pay. Typically, these plans are used in conjunction with High Deductible Health Plans (HDHP), i.e. High Deductible (higher out-of pocket) = Lower insurance premium.
  • With a decrease in insurance premiums, your out-of-pocket medical expenses are likely to increase. The HRA is designed to reimburse you for the increased out-of-pocket expenses.
  • Any HRA reimbursements are not taxable income to you.
  • Depending on your employer’s plan, charges incurred by your covered dependents may be eligible for reimbursement.
What else do I need to know?
  • Anyone enrolled in the group’s medical plan is eligible to enroll in the HRA.
  • All medical deductibles and out-of-pocket coinsurance expenses accumulate on a calendar year basis regardless of when your medical plan renews.
  • You will need to complete and submit an HRA claim form and required EOBs for reimbursement.
  • You may submit multiple claims for reimbursement during the Plan Year, but no later than 60 days after the end of a Plan Year.

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Frequently Asked Questions

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How do I claim reimbursement for a coinsurance HRA?

You must submit a completed HRA Medical Coinsurance Claim Form and provide a copy of each “Explanation of Benefits” (EOB) sheet from the insurance company showing medical charges applied to coinsurance.

How do I claim reimbursement for a medical deductible HRA?

You receive reimbursement by submitting a completed HRA Medical Deductible Claim Form and provide a copy of an “Explanation of Benefits” (EOB) or “Benefit Summary” from the insurance company showing you have met your out-of-pocket employee deductible responsibility.

How do I find out what I have paid toward my deductible or coinsurance for HRA purposes?

Since each insurance carrier has a different Explanation of Benefits form and lists the deductible expenses and coinsurance expenses in different places on the form, we’ve provided samples of EOBs from some of the major medical providers in Washington, Oregon and Alaska for your convenience. Click on a sample EOB below (based on your medical insurance carrier):

Where do I submit my HRA claim?

Fax (866) 320-1932
Mail: 18887 State Highway 305, Suite #600
Poulsbo, WA 98370
Email: [email protected]

What happens to my HRA if I leave the company mid-year?

For a terminated employee or any Participant who is no longer eligible under the terms of this Plan, claims will still be reimbursed but only if such reimbursement requests are made by the earlier of (1) 60 days following the date that you ceased employment or eligibility; or (2) the end of the 60-day period following the close of the Plan Year in which the expense arose. Termination of employment concurrently terminates your eligibility and participation in the plan. Any claims submitted after that time will not be considered.

When will I be reimbursed for my HRA claim?

All faxed/mailed claims received between Monday and Friday are adjudicated as they are received, with reimbursements generated the following week.