A Health Reimbursement Arrangement (HRA) is an employer-funded program that helps you pay for out-of-pocket costs like medical deductibles, copays, coinsurance, and other qualified medical expenses.
Keep Out-Of-Pocket Costs Under Control
Employers offer HRAs with their health insurance plans to help offset out-of-pocket health costs. The specific costs that you’re responsible for depend on your plan.
100% of funds come from your employer
No income tax on contributions
Typically designed to reduce your out-of-pocket expenses on qualified medical expenses
How HRAs Work
When you receive medical services, the doctor or medical facility will send a claim to your health insurer. Sometimes, your insurance will only pay for a portion of these expenses – leaving you responsible for the rest.
HRAs are a convenient way to cover the rest of these expenses and most HRAs automatically pay your providers directly. If an HRA is offered with your plan, your employer agrees to fund a pre-determined amount of money per year to help pay for some of these expenses.
Check with your employer for details about your HRA.
Ask your employer if your health plan comes with an HRA
An HRA is a simple, smart way to save money on your out-of-pocket costs for care. It’s like getting extra money from your employer — money that you can use to pay for copays, deductibles, coinsurance, and more.
Highmark Blue Cross Blue Shield serves the 29 counties of western Pennsylvania and 13 counties of northeastern Pennsylvania. Highmark Blue Shield serves the 21 counties of central Pennsylvania and also provides services in conjunction with a separate health plan in southeastern Pennsylvania. Highmark Blue Cross Blue Shield West Virginia serves the state of West Virginia plus Washington County. Highmark Blue Cross Blue Shield Delaware serves the state of Delaware. Highmark Western and Northeastern New York Inc., serves eight counties in Western New York under the trade name Highmark Blue Cross Blue Shield of Western New York and serves 13 counties in Northeastern New York under the trade name Highmark Blue Shield of Northeastern New York. Each of these companies is an independent licensee of the Blue Cross Blue Shield Association. Blue Cross, Blue Shield and the Blue Cross and Blue Shield symbols are registered marks of the Blue Cross Blue Shield Association, an association of independent Blue Cross and Blue Shield companies. All references to “Highmark” in this document are references to the Highmark company that is providing the member’s health benefits or health benefit administration.
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