Health Reimbursement Arrangement
(HRA) Information
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Who We Are
• ConnectYourCare is your health care account
administrator, offering the most advanced and userfriendly account solution.
– Online and mobile account
access
– Health education tools
– Payment card
– Easy access to funds
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What is an HRA?
•Contributions
– Your employer contributes funds to your account
•Using Your Account
– Use the funds for qualified medical expenses
(may be limited by your employer)
– Use the funds for your spouse’s or your eligible dependents’ qualified
medical expenses
•Funds Forfeiture
– Funds may roll over to the next plan year, depending on your employer’s
plan
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Examples of Qualified Medical Expenses
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Acupuncture
Alcoholism treatment
Ambulance
Artificial limb
Automobile modifications for
a physically handicapped
person
Birth control pills
Blood pressure monitoring
device
Braille books & magazines
(above the cost of regular
printed material)
Chiropractic care
Christian Science
practitioner
COBRA premiums
(post tax)
Contact lenses & related
materials
Crutches
Dental treatment
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Dentures
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Diagnostic services
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Drug addiction treatment
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Eye examination
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Eye glasses & related
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materials
Fertility treatment
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Flu shot
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Guide dog or other animal •
aide
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Hearing aids
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Hospital services
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Immunization
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Insulin
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Insurance premiums (post
tax)
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Laboratory fees
Laser eye surgery
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Long-term care premiums or
expenses (post tax)
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Medical testing device
Nursing services
Obstetrical expenses
Organ transplant
Orthodontia (not for
cosmetic reasons)
Oxygen
Physical exam
Physical therapy
Prescription drugs
Psychiatric care
Smoking cessation program
Surgery
Transportation for medical
care
Weight loss program to
necessary to treat obesity
Wheelchair
Examples of Qualified OTC Expenses
Some over-the-counter items are eligible for purchase with HRA funds.
Eligible without a
Prescription:
Band aids
Braces & supports
Catheters
Contact lens supplies &
solutions
Denture adhesives
Diagnostic tests & monitors
Family planning items
First aid supplies
Insulin & diabetic supplies
Ostomy products
Reading glasses
Sunscreen & sun block
(SPF 15+, broad spectrum)
Wheelchairs, walkers, canes
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Eligible with a Prescription*:
Dual Purpose Items:
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These items can be used for a
medical purpose or for general health
and well being and are eligible only
with a prescription, doctor’s directive
or letter of medical necessity:
Acid controllers
Allergy & sinus medicine
Antibiotics
Anti-diarrheals
Anti-gas products
Anti-itch and insect bite
Anti-parasitic treatments
Baby rash ointments/creams
Cold sore remedies
Cough, cold & flu
Digestive Aids
Feminine anti-fungal/anti-itch
Hemorrhoidal preps
Laxatives
Motion sickness
Pain relievers
Respiratory treatments
Sleep aids & sedatives
Stomach remedies
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Dietary and weight loss
supplements
Fiber supplements
Orthopedic shoes & inserts
Snoring cessation aids
Vitamins & herbal
supplements
* A “prescription” means a written or
electronic order for a medicine or drug that
meets the legal requirements of a prescription
in the state in which the medical expense is
incurred and that is issued by an individual
who is legally authorized to issue a
prescription in that state.
Examples of Not Qualified Expenses
• Concierge service fees
(billed for future services;
no treatment actually
provided)
• Cosmetic surgery
• Exercise equipment
• Fitness programs
• Funeral expenses
• Hair transplants
• Household help
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• Illegal operations and
treatments
• Maternity clothes
• Most insurance premiums
(COBRA, long term care
and retiree medical
premiums are allowed)
• Teeth whitening
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Easy Access to Your Account
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Online CDH Portal
• 24 x 7 real-time access to:
– Obtain real-time account
balances
– Check transaction history on
accounts – contributions and
disbursements
– Submit online request for
reimbursement, check claim
status, and view reimbursement
schedule
– Add/update personal and direct
deposit information
– Access a variety of health
education and wellness tools
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Health Education Tools
• WebMD Hospital AdvisorSM— Hospital information
and rankings for specific procedures
• WebMD Medication AdvisorSM— Information on less
expensive prescription options
• WebMD Treatment Cost AdvisorSM— Cost estimates
on 350 of the most common medical conditions, tests,
and procedures
• WebMD Health TopicsSM— A to Z medical
encyclopedia listing of over 1,500 ailments with
information, treatment options, prevention, and more
• WebMD HealthQuotientSM— State-of-the-art
assessment tool that scores participants’ health status,
calculates risk levels, and provides recommendations
for health improvement and behavior change
• Symptom Checker — Information about what medical
symptoms could indicate and helpful facts before a
doctor’s visit
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Mobile Solutions
• Mobile App
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Available for Android, iOS and Windows devices
View account balance, alerts and transaction history
Submit a new claim
Make payments with Online Bill Pay and Click-to-Pay
Tap to call Customer Service
Upload claim documentation with your device’s camera
• Mobile Browser
– Streamlined version of online account viewable from any
mobile device
– Access many of the Mobile App’s features without having to
download it
• Mobile Alerts and Two-Way Texting
– Request and receive account information and alerts via text
message
– Sign up for this feature through your online account
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Accessing Account Funds
Payment Card for HRA
• Use it at locations where Visa is
accepted
• Use it for qualified health care
expenses
• Automatically records purchase online
• Money comes directly out of your
account
• No need to pay upfront and wait for
reimbursement
• Cannot be used at ATMs
• Multiple ConnectYourCare accounts
are accessible with the same card (if
offered by your employer)
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Reimbursement Requests
Pay with personal funds and request reimbursement any HRA
purchases made without your card.
• Pay for a qualified expense using personal funds
• Enter your claim online or using the mobile app
• Upload documentation
online or with mobile app
• Receive reimbursement
via check or direct
deposit
Tip: Set up direct deposit
for faster reimbursements!
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Receipts Overview
• IRS requires all charges to be
verified as an eligible expense
• Some expenses are verified
automatically, all others require
itemized receipts
• Payment card will be suspended
if itemized receipts are not
submitted
• Receipts must include:
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Name of the patient
Date the service was provided
Name of the service provider
Description of the service
Amount/cost of the item or service
required
Tip: Your health plan EOB typically contains
all the required information!
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Submitting Receipts
• Many ways to submit
receipts:
– Mobile upload – snap a picture
with your phone!
– Online upload – quickly and
easily upload a scanned image
– Fax – Print out a cover form from
your online account. Each barcoded claim form is unique, be
sure to use the one designated
for that claim.
– USPS mail – Print out a cover
form from your online account
mail it along with a copy of your
receipts.
• View uploaded images
immediately
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Customer Service Always Available
Best-in-class service to participant through multiple channels
• Live Customer Assistance
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Available 24/7, 365 days a year
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Detailed questions or personal assistance
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Trained in adjudication and call assistance
• Interactive Voice Response
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Account information
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User name reminder or password reset
• Online Portal, Mobile App, Mobile
Browser and Mobile Alerts
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Real-time account balances and transaction
information
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Frequently Asked Questions
How will I be able to access my account funds?
– You will receive a payment card from ConnectYourCare to access your HRA
funds. You can also pay for eligible expenses with any other form of payment
and request reimbursement from your account.
When can I request reimbursement from my account?
– You have access to the account when your plan becomes effective.
How will I know if I need to submit a receipt for substantiation?
– If a receipt is needed, you will be notified by email or letter within a week of
your payment card swipe. You can also check by logging into your account
and visiting the Claim Center.
What if I don’t submit my receipts?
– You must provide the receipts within the time requested, or the transaction will
be deemed ineligible, and you will be required to refund the amount of the
transaction. If you fail to submit required receipts, your payment card will be
deactivated. If you fail to reimburse the account, the amount of the ineligible
expenses may be added to your W-2 or withheld from your pay.
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