How to Submit HRA claims for reimbursement

Health Reimbursement Accounts are a growing trend from employers
Health Reimbursement Accounts are a growing trend from employers (Image: fcbmilton)

Health Reimbursement and Savings Accounts come in a variety of shapes and sizes. More commonly known as HRAs and HSAs, either funded by an employer, or self-funded. All accounts accomplish the same goal, and that is to have a tax free source to fund health care costs. This will give you some general guidance on how to submit your claims so you are properly reimbursed in most Health Savings Accounts.

Things You'll Need

  • Notebook
  • Folder
  • Computer
  • Internet
  • Fax
  • Stamps

Watch the mail. In the beginning of the year, you will normally receive a packet containing a folder and Claim forms for your Health Savings Account. You may also receive it through your employer or email account. Inspect the information and directions for the HRA account. If you do not receive the HRA claim forms when you need them, or in time to make a claim, contact the Human Resources department where you work or go online to the plan website for your company.

Store all receipts from prescriptions as well as your EOBs (Explanation of Benefits) from your insurance carrier. If you are not going to submit for reimbursement immediately, then keep track of them in a folder and label it something like "to be submitted." Your plan will let you know if or when you submit a duplicate charge or date of service. Better to submit than not to submit an HRA claim in fear of rejection.

Submit your HRA claim by fax when possible. You will generally receive reimbursement quickest using this method.

Fill out the HRA claim forms with DOS (date of service). Do not forget to check all boxes and fill in proper codes for medication, deductible and office visits. Specify what family member received services, the reason and relation. Do not forget to sign and date the claim form. Be sure to include your employee ID number or subscriber ID, or may not receive reimbursement.

Fax the HRA claim form to the correct number and make sure it goes through. You should receive payment within ten days. If not, call the HRA provider to follow up on reimbursement status.

Tips & Warnings

  • Keep good records.
  • If possible, get direct deposit into your checking account so there are no worries about mail or lost checks.
  • See if you can get a debit card to pay for expenses up front such as co-pays and medications to lessen the paperwork hassle.
  • Pay careful attention to deadlines, especially the one at the end of the year. Many plans require you to use all of your funds (whether you funded the account or the employer did).
  • This article is meant to help, but it is not meant to be legal or financial advice.

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