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A business can choose to self administer their HRA or outsource that
responsibility to a third party independent administrator.
At the time of service, employees present their health insurance ID card
and pay any co-pay or out-of-pocket expenses as they would in a non-
HRA environment. After an employee receives an Explanation of Benefits
(EOB) for a covered expense from their health insurance carrier, the
employee submits the documentation to the employer or administrator for
HRA claim processing. The employer or administrator validates and
processes the claim, and reimburses the employee for the eligible
expenses, up to the annual maximum established by the employer.
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