A Health Reimbursement Account, or HRA, is an employer-funded account offered in combination with the Choice Fund HRA health plan that is used to pay covered expenses applied to your health plan Copays, Deductible, and Coinsurance. The account is administered by Cigna and funded by MAA, as indicated below.
HOW IS MY HRA FUNDED?
Automatic contribution upon enrollment and January 1 of each year thereafter
You and your covered spouse (if applicable) can earn wellness incentives by completing various activities throughout the year in our Motivate Me ® program with Cigna. Read more on page 13.
Up to $250 each per year
$250 per year
Unused funds in your HRA carryover at the end of each year with no limit, as long as you remain covered under the Choice Fund HRA Plan. If your coverage terminates under the Choice Fund HRA plan, you forfeit any unused funds in your HRA.
HOW DOES MY HRA WORK WITH MY HEALTH PLAN?
Information regarding your HRA, health care claims and benefits are available: on myCigna.com by calling Cigna at 800-244-6224
When you obtain medical care or fill a prescription, a claim is submitted to Cigna. With the exception of Preventive Care, below is what you can expect to pay at the time of service: PCP visit = $30 Copay Specialist visit = $40 Copay Urgent Care visit = $50 Copay Pharmacy = Coinsurance, up to a certain amount, as indicated on page 16.
Cigna processes your claim based on the covered expenses and negotiated discounts from in-network providers (if applicable), and applies any Copay, Deductible, or Coinsurance for which you are responsible.
Cigna provides an Explanation of Benefits (EOB) to you and the provider outlining the details of your claim including the amount paid to the provider by your plan and from your HRA, and any amounts applied to your Copay, Deductible and Coinsurance for which you are responsible.
If there are funds available in your HRA, Cigna will use the funds to: pay the provider or pharmacy for expenses applied to your Deductible or Coinsurance. reimburse you by check for a Copay paid at the time of service. If there are no funds available in your HRA, you must pay the provider the amount for which you are responsible that was not paid at the time of service.
Refer to the Glossary of Terms on page 3 for the definitions of the words in bold orange print above
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