Support & FAQ

HRA

  • What is an HRA?
    "HRA" stands for "Health Reimbursement Arrangement." An HRA is an employer-sponsored account to reimburse a portion of your eligible out-of-pocket medical expenses, such as deductibles, co-insurance, and pharmacy expenses. It’s not an insurance plan; it's a reimbursement program funded entirely by your employer to help you make healthcare more affordable.
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  • Does my HRA come with a payment card?
    Yes, you can use WageWorks® Healthcare Card to pay for eligible expenses using funds in your HRA. Your employer and IRS Regulations determine which expenses are eligible for reimbursement under your HRA. Log into your WageWorks account to see what's eligible under your particular HRA. In most cases, WageWorks Healthcare Card transactions for eligible expenses are automatically approved. But please remember to always save your receipts from your card transactions.
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  • How do I use my HRA funds?
    There are several ways you can use the funds in your HRA:
    • You can use your WageWorks® Healthcare Card associated with your HRA to pay for eligible healthcare products and services.
    • You can arrange to have your healthcare provider be paid directly from your HRA.
    • You can also be reimbursed for eligible expenses you pay out of pocket.
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  • What expenses does an HRA cover?
    The expenses covered under your HRA depend on the way your employer has set up their HRA program. The easiest way to find out what is covered under your WageWorks acount, is to log into your WageWorks account. then click on "Eligible Expenses" under the Dashboard tab.
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  • What expenses are not covered by an HRA?

    Your employer and IRS Regulations determine which expenses are eligible for reimbursement under your HRA. However, most HRAs do not cover:

    • Nutritional supplements
    • Health club dues and cosmetic surgery (unless medically necessary and recommended by a doctor)
    • Medical expenses that are not defined as eligible expenses by your employer
    • Medical expenses incurred by you, your spouse, or eligible dependents before your participation in the HRA program was effective.
    • Medical expenses for which you can be reimbursed by another source, such as group health insurance or a self-funded group health plan
    • To find out which expenses are eligible under your particular HRA, please review this list or log into your WageWorks account to see the list of your eligible expenses.

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  • Which account pays eligible expenses first—my HRA or my Healthcare FSA?
  • Can I be reimbursed from my HRA for my dependents’ medical expenses?
    It depends on the terms of your employer's HRA plan. Your employer's plan may permit you to be reimbursed from your HRA for healthcare expenses incurred by your dependents, or your employer's plan may limit the use of HRA funds to only those expenses incurred by you. We recommend that you refer to your employer's HRA plan materials or contact your HR representative/benefit administrator.
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  • Who sets the rules for my HRA?
    Your employer sets the rules for your company's HRA program, including which expenses are eligible for reimbursement under your particular HRA.
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  • How is an HRA funded?
    Your HRA is funded by your employer, and your employer sets the rules for how those funds can be used. Login to your WageWorks account to review your plan details, or ask your benefits specialist at your company for more detail.
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  • Do I need to contribute to my HRA?
    You cannot contribute to your HRA. It is owned, defined, and completely funded by your employer. It's one of the ways your employer helps you make healthcare more affordable.
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  • What is my HRA limit?
    Your employer has set an annual limit for your HRA. Log into your WageWorks account to see your HRA limit or ask your employer about the maximum amount made available to you under your particular HRA.
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  • What happens to the funds in my HRA when I leave my employer?
    Since your HRA is funded by your employer, the funds in your HRA belong to your employer when you resign, retire, or are terminated. Please view your Summary Plan Description or contact your employer for your specific rights to continue coverage when you leave your job or submit claims for expenses that have already been incurred.
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  • Do my HRA funds roll over to next year?
    The terms of your particular HRA are defined by your employer. Please ask your employer whether your HRA funds roll over year to year. You can log in to your account to review your plan's details.
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  • Is my family covered by my HRA?
    It depends on your HRA program, which is designed and funded by your employer. Please review your employer's HRA program materials to determine if your spouse's and/or dependent(s)' medical expenses are eligible for reimbursement under your particular HRA.
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  • Do I need a Letter of Medical Necessity?
    A Letter of Medical Necessity is the same as a Doctor's Statement. It's a letter written by your doctor, verifying that the medication you are buying with your Healthcare FSA is for a diagnosis, treatment, or prevention of a disease. This letter is required by the IRS for certain eligible expenses. Review the list of eligible expenses [eligible expense link] to see if you need a Letter of Medical Necessity for a particular type of expense. Download the Letter of Medical Necessity form.
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  • Do I need a Doctor's Statement?
    A Doctor's Statement is the same as Letter of Medical Necessity. It's a letter written by your doctor, verifying that the medication you are buying with your Healthcare FSA is for a diagnosis, treatment, or prevention of a disease. This statement is required by the IRS for certain eligible expenses. Review the list of eligible expenses [eligible expense link] to see if you need a Letter of Medical Necessity for a particular type of expense. Download the Letter of Medical Necessity form.
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