Health Reimbursement Account

Health Reimbursement Accounts (HRAs) are employer-funded group health plans from which employees are reimbursed tax-free for qualified medical expenses up to a fixed dollar amount per year. Unused amounts may be rolled over to be used in subsequent years. The employer funds and owns the account.

 

Phone: 800.300.5248
Web: southcarolinablues.com
Eligibility: Active employees working 30 or more hours per week
Effective Date: The 1st of the month after 30 days of continuous employment

HRA Carryover Rule

Any balance in the HRA Plan at the end of the current HRA Plan Year will be carried over to the next HRA Plan Year in an amount equal to the Benefit Year Deductible

QuestionAnswer
How does the HRA work?The new plan is all about encouraging healthier lifestyles. Complete healthy activities and you’ll be rewarded with HRA dollars that can be used to pay deductible charges and Rx costs. Employees and covered spouses will have the ability to earn Wellness Incentives by completing an Annual Physical or the Personal Health Assessment.
How much can I earn?Every time you or your covered spouse complete one of the qualifying activities you will earn $300 in your HRA. Employees and their covered spouses can earn up to $600 each.
What types of services can I use my HRA to pay?You can use your HRA balance to pay for medical and prescriptions costs only. The HRA cannot be used for dental services or vision correction.
If I incur medical or rx claims prior to completing any of the qualifying tasks can I still use my HRA to pay for those claims?Unfortunately no. Please be aware you need to complete the tasks and have the HRA funds in the account prior to the date of service for the claim. Please start working on your tasks early so the funds are available at the time of claim.
How long does it take from the time I complete one of the tasks until my HRA is funded with my reward?Most situations it takes 2-3 weeks from the time you complete your physical or the confidential Personal Health Assessment (PHA). Please note this timeframe could be longer if your provider delays filing the claim for your Annual Physical. Please encourage the provider to file the claim as soon as possible so you receive your reward timely.
Is the Personal Health Assessment confidential?The PHA is 100% confidential. None of your responses will be shared with your employer. The purpose of the PHA is to identify your risk factors and communicate areas of improvement.
How do I use my BCBS Debit card to pay for prescriptions?Once you qualify for rewards and receive your Debit card you can swipe the Debit Card at the pharmacy to pay for your prescriptions.
How do I use my BCBS Debit card to pay for medical services?This will vary. In some instances the provider will be able to calculate the BCBS discounted price at the point of service. In these situations you would be able to swipe your Debit card at the point of service to pay for claims. Please note, for some medical services the provider may not be able to calculate the BCBS discounted price at the time of service. In this situation the provider should submit the claim to BCBS and then bill you at home for any remaining exposure you have. You can use your debit card to pay for any medical bills received at home by phone or by including your debit card as payment on any invoice you receive.
What if I participate in the HRA plan but I also contribute to the FSA?If you participate in the HRA and the FSA you will have one Debit Card for both the HRA and the FSA. Once you have earned rewards by completing the qualifying tasks the HRA will be the primary form of payment for any Medical or Rx claims. As a result when you swipe your Debit Card for medical or rx services any balance in your HRA will be applied first and any remaining balance will pull from your FSA balance. Please note, the HRA cannot be used for vision or dental services so the FSA will be primary for those claims.
How do I know what my account balance is?Balance information for both your HRA and FSA (if applicable) can be viewed on line.  Go to www.southcarolinablues.com and log onto My Health Toolkit.  If you are a new user, you will need to register first.  Click “Register Now” from the home page to get started.  You may also call Customer Service and that number is on the back of your BlueCross BlueShield ID card.
Can I use my HRA funds to pay for Acupuncture?. Acupuncture is not an eligible expense per the EPI benefits; therefore you would not be allowed to use HRA funds for this service.

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If you recently signed up for the HRA Plan effective January 1st, 2018 you have the ability to earn up to $600 per year for each employee or spouse participating in the HRA plan. These HRA funds can be used to pay for medical claims and prescriptions. Once a member completes one of the qualifying tasks required to earn HRA dollars they will receive a Debit card from Blue Cross Blue Shield.

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It is important that you take steps to educate yourself on all employee benefit plan options and rewards. It is your responsibility to complete your benefits election in Ultipro, no later than 30 days from eligibility.