FAQs

HRA FAQs

What happens to funds left in my HRA at the end of the year?

Usually funds remaining in your HRA will roll over to the next year. However, your employer may specify that unused funds are forfeited at the end of the year. Contact Surency’s Customer Service department at 866-818-8805 to discuss the specific details of your plan.

What if I terminate employment?

If you leave your current employer, you cannot take your HRA with you and funds remaining in your HRA cannot be paid to you, unless you continue coverage through COBRA.

What happens if I submit a claim for an amount larger than the balance of my HRA?

You will only be reimbursed up to the amount that is in your HRA. As additional funds are contributed to your account later in the year, you can be reimbursed for qualified medical expenses paid out-of-pocket earlier in the year (as long as the expenses were incurred after the establishment of your HRA).

Can I use the money in my HRA to pay for health insurance premiums?

Generally, you can pay for health insurance premiums and long-term care premiums with funds from your HRA account. However, your employer may specify that you cannot pay for premiums with HRA dollars. Contact Surency’s Customer Service department at 866-818-8805 to discuss the specific details of your plan. 

What if I use funds in my HRA for non-medical expenses?

You are not allowed to use funds in your HRA for non-eligible expenses. If you do, you will receive a request from your plan administrator for reimbursement of the funds.

What if I have an FSA and an HRA through my employer? Which one pays first for qualified medical expenses?

Usually expenses eligible under both plans will be paid for with funds from your HRA first. However, your employer may specify that your FSA pays first. Contact Surency’s Customer Service department at 866-818-8805 to discuss the specific details of your plan.   

What can I pay for with my HRA dollars?

You can pay for qualified medical expenses, as determined by your employer, with funds from your HRA account. Eligible medical expenses generally include diagnosis, treatment and prevention of disease or treatment for any part or function of the body. Cosmetic medical expenses (such as a facelift) and expenses that benefit your general health (such as health club fees) are not eligible. Contact Surency’s Customer Service department at 866-818-8805 to discuss the specific details of your plan.  

Do I have to be enrolled in a high deductible health plan in order to be eligible to participate in an HRA?

No. HRAs can be offered in conjunction with any health plan.

What is the maximum amount my employer can contribute to my HRA?

There is no limit to the amount your employer can contribute, however your employer may set an annual maximum amount that will be contributed to your account.

Who can contribute to my HRA?

HRAs are funded solely by your employer. Your employer determines the amount and at what frequency funds will be contributed to your account.

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