A Health Reimbursement Account (HRA) is an employer-funded benefit designed to help cover eligible out-of-pocket medical expenses, such as those applied to your deductible. At Indian Rocks Church and Christian School, contributions are made to your HRA, allowing you to use these funds for approved medical expenses for yourself and any enrolled family members.
The article attachment below is a letter you can give to your provider to explain how this program works, including billing procedures and claims processing. This letter ensures that your provider understands not to collect upfront payments for deductibles and outlines how UnitedHealthcare reimburses network providers directly from your HRA.
How HRA Payments Work
With your HRA, you typically do not need to pay anything upfront at your medical appointment. Once your insurance processes the claim:
- UnitedHealthcare pays your provider directly.
- The Explanation of Benefits (EOB) is automatically linked to the payment.
This system helps streamline payments, reducing the need for reimbursement paperwork.
Using Your HRA for Pharmacy Expenses
Your HRA can also cover pharmacy expenses, provided funds are available:
- When filling a prescription, the pharmacy checks your HRA balance in real time.
- If funds are available, your HRA covers the cost, and you pay nothing out-of-pocket.
- Once HRA funds are exhausted, you will need to pay pharmacy costs out-of-pocket.
Managing Your HRA Account
You can manage your HRA online through UnitedHealthcare’s member portal at https://member.uhc.com/. This portal allows you to:
✅ View claim status
✅ Update your account profile and notification preferences
✅ Add or update dependent and direct deposit information
✅ Access forms and view HRA plan details
Tracking Claims & Missing Transactions
UnitedHealthcare provides a claims feed to your HRA, but it’s not always guaranteed. To ensure all claims are correctly applied:
- Regularly monitor your account.
- If a claim is missing after 2-3 weeks, submit a claim manually by mailing or faxing your Explanation of Benefits (EOB) along with a claim form to the contact information provided on the form.
Accessing Your Explanation of Benefits (EOBs)
Your EOBs are available online at https://myuhc.com, where you can view, print, or save your records.
Need Assistance?
For any questions or issues regarding your HRA, contact UnitedHealthcare Member Services using the phone number on your ID card or talk with someone in the HR Department.
By understanding and properly managing your HRA, you can easily maximize your benefits and reduce out-of-pocket healthcare expenses.
The article attachment below is a letter you can give to your provider to explain how this program works.