Managing your HRA
A health reimbursement arrangement (HRA) is an account that gives you money to pay for care. If you enroll in a deductible plan with an HRA, your employer will set up your HRA for you and put money in your account. You won't pay taxes on this money,* and you can use it to pay for types of care that are defined as qualified medical expenses by your employer. Ask your employer's plan administrator for details or view IRS Publication 502 at irs.gov/publications.
HRAs administered through Kaiser Permanente
Your employer can choose to offer an HRA administered through Kaiser Permanente or an HRA administered by another administrator. If your employer offers an HRA with another administrator, contact your company's benefits manager to find out what type of HRA is being offered and how it will work for you.
If your employer chooses to offer you an HRA administered through Kaiser Permanente, follow your employer's enrollment process to sign up for the health plan and HRA. Once you're enrolled and your HRA is set up, you'll receive a welcome letter and your health payment card, if applicable, in the mail.
|Health Payment Card||
With certain HRAs, you'll get this debit card and can use it either to:
- Pay for services when you go in for care, or
- Pay a bill by mail by writing the card number on the bill and sending it in.
For most payments made at Kaiser Permanente facilities, no additional action is required. Just be sure to save copies of your Explanation of Benefits (EOBs), bills, and itemized receipts, in case you are asked to provide them to validate your payment was for a qualified expense.
With certain HRAs, you'll need to pay using your own funds during a visit. This may be just part of what you'll end up owing for services. After your visit, we'll submit a claim on your behalf for the total amount you owe, including any amount you may be billed for later. Once it's approved, you'll be sent a reimbursement from your HRA.
For certain services, like prescriptions, we won't be able to automatically submit a claim for you. In these cases, you'll need to submit a request for reimbursement. Please see the reimbursement request options below.
|Request reimbursement from your HRA.
You can file a claim for reimbursement from your HRA in 3 ways:
1. Online at kp.org/healthpayment
2. Through the KP HRA/HSA/FSA Balance tracker app
3. By calling Health Payment Services and requesting a claim form that you can fill out and mail or fax
For more information, see Managing your account.
Rolling over HRA funds
If your employer offers the rollover option, you can use funds left over from one year to pay for qualified medical expenses the next year, as long as you’re still a member of the plan. How funds roll over — including how much can roll over from year to year — will depend on your plan details. Contact your employer's plan administrator to learn more.
Save your receipts and other documentation
Remember to save all your Explanation of Benefits (EOBs), bills, and itemized receipts. They will be required when you submit an HRA claimsand may be requested to validate certain payments made with your Health Payment Card. If you lose a bill, you can view and print copies at kp.org.
All documentation should show:
- name of the person getting the service
- name of service provider
- type of service
- date of service
- amount charged
Managing your account
With your HRA administered through Kaiser Permanente, you can access account information online 24 hours a day, 7 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 check your balance on the KP HRA/HSA/FSA Balance Tracker app, kp.org/costestimate, or by calling Health Payment Services. Please note that your HRA balance won’t appear on your Explanation of Benefits (EOB) or bills.
Access your account when you’re on the go — just download our KP HRA/HSA/FSA Balance Tracker app for your smartphone or mobile device. For instructions on logging into the app for the first time, please login to kp.org/healthpayment. From the home page, go to Tools & Support, then click Download Mobile App under How Do I?.
You can also call 1-877-761-3399 to speak to a customer service representative, Monday through Friday from 5 a.m. to 7 p.m. Pacific time (except holidays).
For additional information
*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.
†A qualified medical expense is defined under Internal Revenue Code Section 213(d). Depending on the type of HRA your employer offers, the qualified medical expenses that you can pay or reimburse yourself for with your HRA may vary. Check with your employer's plan administrator for details. To view the entire list of qualified medical expenses download IRS Publication 502, Medical and Dental Expenses, at irs.gov/publications.
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