How do Blue Care Network health reimbursement arrangements work?
Who is this for?
If you're a Blue Care Network HMO member and your employer offers a health reimbursement arrangement, this will help you figure out the types of HRAs and what they mean.
A health reimbursement arrangement, or HRA, is funded by your employer to help cover certain medical expenses. Your HRA won't cover copays for your office visits, or dental, vision, pharmacy or hearing services. Your employer decides what medical services are eligible.
Learn about your type of HRA
You can use your HRA funds based on the type your employer chooses. There are four:
- HRA pays first
- You pay first
- Split - you pay a portion, your HRA pays a portion
- You pay first, then you split
If you're not sure what type you have, take a look in your member handbook for more details. Below you'll find examples of how the types of HRAs work.
Your employer could choose an HRA that only covers your coinsurance. If that's the case, you'll pay your health care costs out of pocket until you reach your deductible. Then your coinsurance will start and you can use the funds in your HRA to cover your share of the costs.