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A health reimbursement account (HRA) is an account your employer establishes to help you pay for your medical expenses.
The HRA contributes toward your deductible for the plan. You pay up to the deductible and then your plan coverage kicks in.
You control how your HRA money is spent and HealthPartners will give you the tools you need to be a smart healthcare consumer. And, with our tiered benefit levels, you have even more choices and the chance to save even more money!
Also, the HRA your employer creates for you is not taxable income; employers typically allow any amount in your HRA at the end of the year to carry over to the next year (see the information you received from your employer). - Incentives to spend or save wisely
- Decision support all the way
- No taxes on account balance or on withdrawals
Here's how the HRA works: - Your employer establishes an HRA for your eligible medical expenses, such as office visits, prescriptions, lab work and urgent care (eligible expenses are determined by your employer under IRS guidelines). Preventive care is typically covered 100% by the plan (see the information you received from your employer).
- When you or your dependents — if they are covered under your plan — have an eligible expense, your claim is automatically submitted to your HRA for reimbursement.
- If your account's balance has enough to cover the expense, your reimbursement will be sent to you by check or direct deposit. Fill out a Direct Deposit/Opt Out form
 . - If you exhaust your HRA balance, you will pay any remaining deductible out-of-pocket, and your health plan coinsurance or copays will take effect. Please see the information you received from your employer for details on your coverage beyond the deductible.
Automatic claims submission
If your medical expense was at a network provider or pharmacy, the claim will automatically be submitted to HealthPartners. If you had any payment responsibility from that expense, your part of the claim will be sent to your HRA for reimbursement. You do not have to file a claim.
For example: Susan's plan includes 20% coinsurance for office visits (the plan covers 80%). If Susan sees a network doctor for her sore throat, her part of the office visit charge will get automatically submitted when the provider sends the overall claim to HealthPartners for payment. If the HRA balance is less than the amount of Susan's responsibility, Susan will make up the difference herself. - Office visit cost: $100
- Susan's responsibility: $20 (20%)
- Provider submits claim to HealthPartners for $100
- Susan's part ($20) is automatically submitted to her HRA to reimburse her
- The provider receives payment from HealthPartners for $80 (the plan's responsibility)
- The provider bills Susan for her responsibility ($20)
- Susan pays the provider bill with money she received from her HRA
Note: if you have a dependent covered under your health plan that does not qualify as a dependent under the federal tax code, you must opt-out of the automatic claims submission feature. You may also want to opt-out of the automatic claims submission feature if you have coverage under a spouse's healthcare plan and you want your spouse's plan to pay claims first. Fill out an Direct Deposit/Opt Out form. Once you opt out of automatic claims submission, you will need to manually fill out an HRA Claims Form when you wish to submit a claim.
EmpowerSM HRA Plan (with tiered benefit levels)
Benefit levels help you save money and get the best care
It's a fact — not all providers are the same. Studies show that medical providers and clinics can vary by cost and the quality of their care.
The EmpowerSM HRA plan encourages and rewards you for seeing the best providers. Here's how: - Providers are analyzed and assigned to benefit levels
- The best performing providers (those who deliver the most effective care at the best overall cost) are assigned to benefit level 1.
- All other providers are assigned to benefit level 2.
- You may see any provider you want. However, your out-of-pocket cost will be lower if you choose a benefit level 1 provider over a benefit level 2 provider.
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To learn if a dependent you have covered under your plan does not qualify under the federal tax code, call Member Services at 952-883-7000 or 866-443-9352.
No matter where you live, work or travel in the United States, you have access to high-quality providers — we’re among the few plans that give you access to CIGNA HealthCare’s vast national network.
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