How do Blue Care Network health reimbursement arrangements work?

Who is this for?


Blue Care Network members who have a BCN HRA℠ HMO plan.

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.

Read more about how HRAs work and how you can use them.

Learn about your type of HRA

You can use your HRA funds based on the type your employer chooses. There are four options:

  • 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.

Coinsurance-only HRAs

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.