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The Health Reimbursement Account

The HRA accomplishes two main goals:

  1. It saves the employer money. The HRA is handled as an unfunded promise to pay. The only time funds are deposited into the account are when claims are actually made.
  2. It turns the employee into a healthcare consumer. When the employee has a fixed amount of dollars to work with, he will budget and limit his expenses to stay within his annual allotment while still having the enhanced ability to see the doctor of his choice.
The Health Reimbursement Account is the cornerstone of the Envision Health Plan. The Health Reimbursement Account (HRA) is an unfunded allocation of healthcare credits assigned to each plan member. The member uses these credits to pay for all minor day to day services covered by the plan until they reach their Individual Responsibility Gap. At the end of the plan year, a percentage of any remaining balance may roll-over into the member's account for the following year to increase his annual benefit or pay for Health Extra benefits.