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How can I use my HRA?

Who is this for?

Michigan Health Insurance – Customer Service – Health Spending Accounts

If you have a health reimbursement arrangement, or HRA, linked to your plan, this information can help you learn how to use it to pay for qualified medical expenses.

A health reimbursement arrangement, or HRA, is a fund set up by your employer. It's a kind of health spending account used to pay for your share of health care costs. Your employer will decide which expenses are eligible, but HRAs typically cover:

  • Deductibles
  • Copays
  • Coinsurance
  • Other services, such as dental and vision

You can't use an HRA to pay for monthly health insurance premiums.

The qualified medical expenses you can use your HRA for will be up to your employer. Qualified medical expenses include most medical care, dental and vision care and over-the-counter drugs. For more information on qualified medical expenses, visit the IRS website, or see one of these publications:

How do I use the money in my HRA?

The way you use the funds depends on your plan design. You may receive a debit card to pay for expenses. You might also need to pay up front for expenses and be reimbursed later. If you have a Blue Cross Blue Shield of Michigan plan with a HealthEquity® HRA, the payment process will be seamless. Your doctor will bill us and the funds will be taken from your HRA.

What happens to my HRA when I leave my employer?

Your employer owns your account and can decide whether you can take the money if you leave your job. You may be able to continue using it for qualified medical expenses.

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