Frequently Asked Questions
What is an eligible expense? Is my pharmacy considered an approved merchant? Are your dependents’ expenses covered? Find answers to all your questions about your WageWorks HRA.
A Health Reimbursement Arrangement (HRA) is an excellent benefit option more and more employers are offering every day.
Your HRA is governed by IRS Regulations that details who is eligible to use the account and what, where, and how the money in it is to be used.
You can pay many of your eligible healthcare expenses directly from your HRA account with Pay My Provider.
There’s no need to fill out paper forms. It's quick, easy, secure and available online at any time. Review the Claim and Card Use Verification Checklist.
To pay a provider:
If you'd prefer to submit a paper claim form to request reimbursement for your eligible expenses, choose the "Pay Me Back' option.
Eligible expenses under an HRA plan are determined by your employer and might include:
Eligible expenses must be incurred by the employee and/or eligible members of the employee’s family, and take place within the benefit plan year.
Qualified medical expenses include those expenses defined by your employer that comply with the Internal Revenue Code. These expenses may include deductibles, co-insurance, prescription drugs, vision care, and dental care. To determine if an expense is eligible for reimbursement under your employer’s plan, please refer to your employer’s summary plan description or contact WageWorks customer service.
You can find a general list of IRS-approved health-related reimbursements in Publication 502, which is accessible online at www.irs.gov. Please remember that eligible medical expenses may vary by employer.
If you have both accounts, expenses eligible under both plans are first reimbursed through your Healthcare FSA.
Medical expenses can be reimbursed for spouses and children of HRA participants if both the participant and their dependent have group coverage through either the participant’s, the spouse’s or dependent child’s employer as long as there is a certification by participant that they have eligible coverage somewhere else.
According to the IRS, your employer owns your account.
According to IRS rules, HRAs are fully owned and funded by the employer.
Typically, no. Under most HRA plan rules, the accounts aren’t individually owned bank accounts that are eligible to earn interest.
Any funds in your HRA when you terminate or retire are forfeited. There are options available for active employees to elect COBRA to continue their Waiver HRA. You should contact your insurance coordinator for more information on COBRA.
Yes, it will roll over if you continue to waive your health insurance and elect a Waiver HRA. The maximum carryover amount each year is $7,500.
The IRS requires that medical expenses reimbursed through an HRA must be primarily for the diagnosis, treatment or prevention of disease.
For example, your doctor may prescribe a vitamin to treat your medical condition. Because vitamins are generally considered an ineligible expense, you will need a letter from your medical provider detailing the type of service rendered and the treatment necessary.
The IRS has changed mileage reimbursement rates for medical care effective based on the date the service is incurred. Mileage for travel to / from eligible healthcare–on or after January 1, 2017 is $0.17 per documented mile.
Please include the following information with your mileage claim: