Healthcare Benefits

Employee Benefits

Health Reimbursement Arrangement

A WageWorks® Health Reimbursement Arrangement (HRA) is an employer-sponsored benefit to reimburse a portion of your eligible out-of-pocket medical expenses, such as deductibles, coinsurance, and pharmacy expenses. Funded entirely by your employer, this reimbursement benefit helps you make healthcare more affordable.

Make Healthcare More Affordable with Help from Your Employer

Spot Photo HRA Final

Why sign up for a WageWorks HRA?

  • Bridge the gap on eligible healthcare expenses that you pay before your insurance or any other reimbursement kicks in
  • Use a handy debit card to pay for eligible expenses
  • Submit receipts for reimbursement right from your smart phone or tablet using a handy mobile app

“I love my WageWorks HRA. My employer reimburses me for eligible healthcare expenses. It’s like getting free money. What could be smarter?”

- A happy WageWorks HRA participant

HRA 101

Savings with Your HRA

With your HRA, you can pay for eligible healthcare expenses with money that your employer contributes to your account. It’s like extra money in your pocket each year. Remaining funds in an HRA may be rolled over to the next year. Check with your benefits administrator for details about your HRA.

Participating in Your HRA

Your employer determines criteria for participating in an HRA. You sign up for your HRA through your employer during your Open Enrollment period. Your human resources department or benefits administrator can help you get started.

Employer Contributions to Your HRA

Unlike other healthcare benefit accounts, such as a Healthcare Flexible Spending Account or a Health Savings Account, you don’t make contributions to your HRA—only your employer does. An HRA is funded 100% by your employer. Ask your employer for details on the amount you’re eligible to receive under your HRA. 

Reimbursements Under Your HRA

Your employer determines which expenses are eligible for reimbursement. Most plans reimburse eligible expenses up to the full available balance under your HRA. If your HRA is based on an accrual, you'll only be reimbursed the amount you've earned in it.

Key Features and Benefits of Your WageWorks HRA

Variety of Payment Options Make Your HRA Easy to Use

With a variety of convenient payment options, your WageWorks HRA makes it easy for you to get reimbursed for eligible healthcare expenses determined by your employer.

Payment options include:

  • Pay My Provider. Arrange for convenient direct payments to your healthcare provider. Simply log into your WageWorks account and fill out a form to have eligible expenses paid directly from your account.
  • Pay Me Back. Arrange for account funds to be deposited directly into your banking account or a check to be mailed to reimburse you for eligible expenses you've already paid.
  • Pay by Debit Card. Depending on your employer’s plan, you may use the convenient WageWorks Healthcare Card associated with your account to pay for eligible healthcare expenses. If you have more than one WageWorks account, this smart debit card knows which account to draw money from first.

Web Portal and Mobile App Make Your HRA Easy to Manage

WageWorks makes it easy to manage your HRA. Log into the WageWorks secure web portal to manage all aspects of your WageWorks account:

  • Check account balances
  • Submit claims and view claims status
  • Look up eligible expenses
  • Upload and store receipts 
  • Select your reimbursement methods (by check or direct deposit into your bank account)
  • Choose to receive account alerts by email or text

The WageWorks EZ Receipts mobile app puts the power of the WageWorks web portal in the palm of your hand. Download this handy app to your mobile device, log in to your account, and check balances, submit claims, view transactions, snap photos of receipts, get account alerts by text or email—all on the go!

Full Compatibility with Other WageWorks Accounts to Maximize Your Savings

WageWorks wants to help you save the most money on your healthcare expenses. A WageWorks HRA is fully compatible with a WageWorks Healthcare Flexible Spending Account or a WageWorks Health Savings Account.

If your employer offers these accounts and has elected to use the convenient WageWorks Healthcare Card, your smart debit card knows which account to draw money from first.