Health Reimbursement Arrangement (HRA)
An
HRA is an account funded by HPRS that provides tax free reimbursement funds
for IRS qualified health care expenses to eligible benefit recipients and
their qualified dependents.
These reimbursements are in accordance with the IRS Publication 502.
HPRS has contracted with Via Benefits to administer
the HRA. Via Benefits reviews
and processes the reimbursement requests from the HRA into your bank account
according to the IRS requirements.
You must set up an account with Via Benefits and input banking
information to receive reimbursements.
If you are eligible, allocations are made monthly
into your HRA account (typically the first of the month).
The Pre Medicare HRA allocation amount is based on your Health Care
Service Credit (HCSC). Please
see the HCSC chart for the breakdown.
The Medicare HRA is the same amount for all Medicare benefits
recipients. The HRA allocation
amounts are reviewed and set by the Board annually.
The Pre-Medicare HRA is an open HRA.
Open HRA means that benefit recipients are eligible for the HRA
regardless of where they access their health care.
However, if the benefit recipient elects to receive the Premium Tax
Credits provided by the Federal government, they are not eligible to receive
the HRA also. This is an IRS
rule. Thus, is why you must “opt
in” to receive the HRA as HPRS does not know if you plan to take the HRA or
Premium Tax Credits.
The Medicare HRA is a closed HRA.
Closed HRA means that benefit recipients are required to enroll in a
Medicare Advantage or Medicare supplement (Medigap) plan through Via
Benefits to be eligible to receive the monthly HRA allocations.
After creating a
log-in on Via Benefits website (https://marketplace.viabenefits.com/HPRS)
you can use the same log in on the Via Benefits App to submit receipts for
reimbursement.
You may enroll or drop coverage (1) if you have a qualifying event or (2) during the open enrollment period in November each year. The effective date of coverage for open enrollment is January 1.
To view the Health Reimbursement Arrangement (HRA) Plan Document, please click here.
To view the IRS Publication 502 - for covered Medical and Dental Expenses, please click here.
For additional information on the administration of HPRS' health care program, please click here to view OAC 5505-7-04.
For additional information, please contact Via Benefits:
~ Medicare: 1.833.431.1358
~ Non-Medicare: 1.800.667.2184
For a brief explanation of other benefits, click on any item listed below: