2023 Health Reimbursement Account (HRA)
The Health Reimbursement Account is funded by Dartmouth to help you pay for certain medical expenses, including your deductible and your coinsurance.
What is changing in 2023
- Plan Changes: There will be no changes to the Health Reimbursement Account, but there are changes to the annual deductible on the medical plans that the HRA is attached to. You will want to understand what these changes are, as you consider your health plan for 2023.
- Default: If you remain in the CCF medical plan or the HDHP medical plan with HRA option, then you will receive a new annual contribution in your HRA account going into 2023. Amounts are prorated based on your FTE. Any remaining balance in your HRA account at the end of 2022 will also carry over into 2023. If you change medical plans for 2023, any remaining balance from 2022 will be forfeited.
Contact Cigna Health
Create an Account
Cigna manages your HRA account. To monitor your HRA balance and spenditures you must create an account with Cigna.
1. Go to http://mycigna.com
2. Click on REGISTER
3. Make sure you have your Cigna ID or Social Security number available
4. Click START REGISTRATION
5. Enter your Name, Date of Birth and zip code
6. Answer a question about your membership
7. Enter your ID card number or SSN
8. Enter your zip code
To see your current HRA balance and how much you have spent,
1. From the main dashboard, click on SPENDING ACCOUNTS
2. Click on HEALTH REIMBURSEMENT ACCOUNTS
3. If you are enrolled in the CCF or HDHP with HRA option, your Balance will be displayed on the screen
Eligibility and Enrollment
You do not need to enroll in a Health Reimbursement Account. When you elect the CCF or HDHP plan with the HRA option as your medical plan, you will automatically be enrolled in an Health Reimbursement Account through Cigna, and Dartmouth will fund your account within 7-10 days. If you switch to a different health plan during Open Enrollment, you will lose all unspent funds remaining in your HRA Account. If you remain in the same HRA health plan during Open Enrollment, all unused HRA funds will carry over from year to year.
You will not receive an ID card for the Health Reimbursement Account. The account is fully managed by Cigna. Cigna processes y our claims and uses the funds to pay your providers directly from the account.
Dartmouth will contribute up to $500 annually when enrolling in emoyee only coverage, and up to $1,000 annually when enrolling in family coverage, consisting of two or more individuals.
The annual contribution amount is prorated based on Date of Hire (if new to Dartmouth)
NOTE: Your annual Dartmouth contribution amount can change mid-year if you add or remove dependents.
Understanding The Benefit
- Enrolling in a Medical plan that comes with a Health Reimbursement Account (HRA) is a way of using non-taxable Employer contributions to help pay down your families annual deductible and coinsurance costs.
- Your HRA dollars are solely funded by Dartmouth.
- Your HRA account is front loaded so you can use the funds immediately.
- When you receive care, HRA dollars are automatically deducted from your HRA and are paid directly to your provider.
- HRA dollars spent, will count toward your annual out-of-pocket maximum.
- No paperwork or IRS reporting is required.
- Your HRA cannot be used to pay for dental, vision, or copay expenses. But, the IRS does allow you to make employee contributions to a Health Care Flexible Spending Account (HCFSA) to cover these and other expenses that are not covered by your HRA.
- Since the HRA can only be used to cover deductible and coinsurance related expenses, your HRA dollars will cover prescription drugs when enrolled in the HDHP with HRA option, but will not cover your prescription copays when enrolled in the CCF plan.
How the Benefit Works
For a larger view of this chart, please refer to page 14 of the 2023 Open Enrollment Guide.
Payroll Deduction - There isn't one. The HRA is an account that can only be funded by your employer. You do not contribute to a Health Reimbursement Account.
Account is Funded - When you elect the Cigna Choice Fund Plan or the High Deductible Health Plan with HRA option, Dartmouth College puts a set amount of money into a Health Reimbursement Account in your name. This HRA Account is then managed by Cigna Health.
Incur Eligible Expenses - If you or a family member incur a medical or pharmacy(hdhp) expense that would apply toward the annual deductible or coinsurance...
Claims Processing - Cigna will receive and process the claim. If any deductible or coinsurance are owed by the member, Cigna will pull funds from the HRA account and pay the provider directly. Once the account is exhausted, the provider will then bill the member directly for any remaining balance due. Unlike the HCFSA and HSA accounts, you are NOT required to save or submit receipts for reimbursement.
Year End - Unlike the HCFSA and HSA accounts there are no year end claim submission deadlines and no tax filing requirements.
The Account - If you are enrolled in either the Cigna CCF or the HDHP plan with HRA option at the time that you leave Dartmouth, then you would also have an HRA account attached to your medical plan. HRA accounts are funded by and belong to Dartmouth, so the amount that is remaining in the account when you leave, is thereby forfeited and goes back to the College.
Paying Claims - The HRA will follow the run-out period, which for Dartmouth is 90-days after the
plan terminates. This means that both in- and out-of-network claims incurred prior
to your coverage end date, and received by Cigna within 90-days of your coverage end
date can still be paid with remaining HRA dollars. Claims received after the 90-days
will not be considered for payment.
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