Health Reimbursement Account (HRA)
Enrollment in an HRA is available to Active and Non State employees as an alternative for those enrolling in Plan C who are not eligible to contribute to a Health Savings Account (HSA) due to:
- Medicare enrollment
- TRICARE enrollment
- Concurrent enrollment in another health plan not considered a High Deductible Health Plan
- You are eligible to be claimed as a dependent under your parent’s tax return
- You have dependent children between ages 23-26 (member may choose to enroll in either the HSA or an HRA in this situation)
IMPORTANT - Appropriate documentation must be provided showing you are eligible for the HRA.
A Health Reimbursement Account is an employer-sponsored account that has similarities to both a Health Care Flexible Spending Account and a Health Savings Account. However, contributions are funded entirely by your employer - no employee contributions are permitted. The HRA is not portable and any remaining funds at the end of the year will not roll into the next plan year. Participants will have sixty (60) days from the end of a plan year (December 31st) to file any claims incurred during that plan year. Note: The IRS requires that all transactions be validated, including any debit card transactions. Throughout the year, you should keep your original receipts and documentation for prescriptions and health-related expenses for all transactions (including debit card transactions), in order to verify a claim.
Should you terminate coverage with the SEHP prior to the end of the plan year, you will have sixty (60) days from your last date on SEHP coverage to file any claims incurred while you were covered that plan year.
Register your HRA with Optum at www.mycdh.optum.com in order to view account details.
Examples of medical expenses that you can spend your HRA funds for include:
- Deductibles and Coinsurance
- Dental, Drug and Vision expenses
- Over the Counter medications, such as aspirin, cold medicines, antacids and cough supplements if you have a prescription from your doctor
The HRA employer contribution frequency and amounts will be identical to that of the Health Savings Account. Optum will be the HRA administrator.
State of Kansas employees will be eligible to enroll in a Health Care FSA through NueSynergy in order to make pre-tax contributions to pay for eligible health expenses. Each account comes with a debit card to access funds. Reimbursements may be made online, by fax or by mail.