HDHP enrollees not eligible for a Health Savings Account (HSA) will have the District’s contribution deposited into a Health Reimbursement Arrangement (HRA). Your HRA account will include only District contributed funds.
Health Reimbursement Arrangement (HRA)
Health Reimbursement Arrangement Features
- Contributions into an HRA are tax-free as long as you use the funds for qualified expenses.
- HRA funds can be used to pay for qualified expenses for you and your spouse and children IF they are enrolled in the District HDHP plan with you.
- Funds will be added to your account each payday.
- Funds must be deposited into the HRA account before you can use them.
- A list of the most common eligible expenses, can be found here.
- You can request reimbursement for eligible expenses incurred from the date you begin participating in the HDHP through December 31, 2020.
- Balance in the HRA account on December 31, 2020 may be able to roll-over to 2021.
- Balances and roll-over funds in the HRA account can accumulate to a maximum of $4,999.
- You will receive a debit card in the mail from Surency Life and Health, the District’s HRA provider.
- You are not required to use the debit card to pay expenses. You can request reimbursement through your on-line account or print a claim form to email, fax or mail to Surency.
- If you terminate employment with the District, you will be able to submit claims for reimbursement through the end of the plan year in which you terminate for services provided during the plan year.
If you are enrolled in a Health Reimbursement Arrangement (HRA) for 2019 and enroll in a Health Savings Account (HSA) for 2020, the funds remaining in your HRA as of December 31, 2019, may be eligible to be suspended and used for eligible dental and/or vision expenses. There are specific IRS regulations when HRA participants enroll in an HSA. For additional information, please contact the District’s Benefits Specialist at (816) 986-1046.
Upon enrollment into a HRA, you will receive an enrollment packet which will contain additional information.
Eligible Expenses for Health Reimbursement Arrangement (HRA)
You can use money set aside in your HRA account for eligible medical expenses incurred by you, and your spouse or your children IF they are enrolled in the District HDHP plan with you. This includes diagnosis, treatment and prevention of disease or treatment for any part or function of the body. Cosmetic medical expenses, such as facelifts or hair removal, are not eligible. Expenses that benefit general health, such as vacation or health club memberships are also not eligible. Remember to keep your receipts and/or other documentation in case it is needed to verify the medical expense. Some items may require additional documentation such as a letter from your medical provider. Use the lists below for reference, but keep in mind these lists do not include all eligible/ineligible expenses. If you have questions about qualified medical expenses, call (866) 818-8805 or visit Surency to view a complete list of qualified expenses.
Click here to view examples of Qualified Expenses.
Requires a letter of medical necessity or a valid prescription
