Health Reimbursement Account
An HRA is an employer-sponsored tax-free account that can be used to reimburse a defined portion of your and your eligible family member’s out-of-pocket medical expenses, such as deductibles, coinsurance, and pharmacy expenses. You cannot contribute money to your HRA; only SCL Health can credit your account.
If you are enrolled in the Cigna Consumer Directed Health Plan (CDHP) in 2016, SCL Health contributes funds to your HRA on the first day of your medical plan coverage.
In 2017, SCL Health may contribute to your HRA in two ways:
- If you are enrolled in the Cigna CDHP: On Jan. 1, 2017, SCL Health will contribute $250 to those with Associate Only coverage or $500 to those who also cover dependents (spouse, LDA, children).
- If you are enrolled in SCL Health medical coverage (Kaiser Permanente and Cigna plans) and participate in the 2017 wellness incentive program: You and your covered spouse/LDA can earn up to $350* for completing an online health assessment and biometric health screening. Refer to the 2017 wellness incentive program FAQs for additional information.
* If you are enrolled in the Cigna PPO or Kaiser Permanente EPO plan, an HRA will automatically be opened for you effective Jan. 1, 2017. If enrolled in the Cigna CDHP, wellness incentive credit will be funded to your existing HRA.
How do I access my HRA funds?
If enrolled in the Cigna CDHP in 2016, your initial medical and prescription expenses are automatically covered by your HRA funds.
If enrolled in any SCL Health medical plan in 2017, you will have two options for accessing your HRA funds:
- Debit Card: You will receive a debit card in the mail mid-December from your medical plan carrier (Cigna or Kaiser Permanente). You can begin using this card beginning Jan. 1, 2017. Once activated, your card can be used just like a typical credit or debit card when you are paying for covered medical services at the point of sale with a qualified provider (such as at a doctor’s office or pharmacy).
- File a Claim: You can also submit expenses for reimbursement through your medical plan vendor. Once reviewed and approved, you will receive a check in the mail with funds drawn on your HRA account.
Access the 2017 Health Reimbursement Account FAQ for further details.