Headline: Deductible plans

Managing your HRA


If you enroll in a deductible plan with a health reimbursement arrangement (HRA), your employer will set up your HRA for you and put money into your account. You won't pay taxes on this money,* and you can use it to pay for care.

Getting started


Your employer may offer an HRA administered through Kaiser Permanente. In most cases, Kaiser Permanente will send you an HRA Health Payment Card. You can use your Health Payment Card like a bank debit card at any Kaiser Permanente facility or any other medical facilities where Visa debit cards are accepted.

If your account doesn't come with a Health Payment Card, you can still use your HRA money to help pay for qualified medical expenses.‡ Simply submit a claim for reimbursement along with copies of your Explanation of Benefits (EOBs), bills, or itemized receipts. You can submit your claims online at kp.org/healthpayment or with our free KP HRA/HSA/FSA Balance Tracker app, which you can download from your smartphone or mobile device. You can also request a claim form by phone and submit it by fax or mail. 

You'll also receive a welcome letter explaining how to access your account online at kp.org/healthpayment. If your employer chooses a non-Kaiser Permanente HRA administrator, contact your company's benefits manager for information on how to get started.

Payment options and reimbursement


During your visit


 Payment options


 Action required for reimbursement from your HRA

Pay with your HRA Health Payment Card or debit card, if one was provided. This is the most convenient option available.

None. Just save copies of your Explanation of Benefits (EOBs), bills, and itemized receipts, which may be required later for substantiation.

Use another payment method (cash, check, credit card, or another debit card).

Request reimbursement from your HRA administrator. If your account is administered through Kaiser Permanente, you can request reimbursement at kp.org/healthpayment or with our free KP HRA/HSA/FSA Balance Tracker app.

Split a payment between your HRA Health Payment Card or debit card and another payment method (if your qualified medical expense is greater than the balance in your HRA account).

None. Just save copies of your Explanation of Benefits (EOBs), bills, and itemized receipts, which may be required later for substantiation.


After your visit
When you receive a bill for services from Kaiser Permanente:


 Payment options


 Action required for reimbursement from your HRA

Pay with your HRA Health Payment Card or debit card, if one was provided. Write the card number in the credit card section of the bill and return it to Kaiser Permanente.

None (substantiation may be required later by your HRA administrator).

Use another payment method (cash, check, credit card, or another debit card).

Request reimbursement from your HRA administrator. If your account is administered through Kaiser Permanente, you can request reimbursement at kp.org/healthpayment or with our free KP HRA/HSA/FSA Balance Tracker app.


Save your receipts and other documentation


Remember to save all your Explanation of Benefits (EOBs), bills, and receipts. They may be required when you submit your HRA claims. If you lose a bill, you can view and print copies at kp.org. The documentation should show:

  • name of the person getting the service
  • type of service
  • date of service
  • amount charged
  • name of service provider

Managing your account


If you have an HRA administered through Kaiser Permanente, you can access account information online 24 hours a day, seven days a week, at kp.org/healthpayment. You'll be able to check your account balance, file claims, view transaction history and more. You can also call 1-877-761-3399 to speak to a customer service representative, Monday through Friday from 8 a.m. to 10 p.m. Eastern time (except holidays).

You can also access your account when you're on the go. Just download the free KP HRA/HSA/FSA Balance Tracker app for your smartphone or mobile device.


 
*The tax references on this website relate to federal income tax only. Consult with your financial or tax adviser for information about state income tax laws. Federal and state tax laws and regulations are subject to change. If tax, investment, or legal advice is required, seek the services of a qualified professional.

If an HRA debit card is available through your HRA administrator.

A qualified medical expense is defined under Internal Revenue Code Section 213(d). For a list of qualified medical expenses, download IRS Publication 502, Medical and Dental Expenses, at irs.gov/publications. As an HRA account holder, you're ultimately responsible for determining whether an expense is a qualified medical expense.

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