Health Reimbursement Account

UPMC Consumer Advantage offers a Health Reimbursement Account (HRA) so you can have greater control and ownership over your health care, resulting in lower out-of-pocket costs. An HRA is an account, owned and funded by your employer, that you can use to help pay for any covered health care expenses during the deductible period. Your HRA can pay for:

• Copayments
• Coinsurance
• Prescription drugs
• Many other covered medical expenses

To be eligible for the HRA, you must be enrolled in UPMC Consumer Advantage. Your HRA will cover a portion of your deductible and you receive a tax benefit because payments for qualified medical expenses from the HRA are not taxed.

Any additional costs for medical services are paid by you, out-of-pocket, until the deductible is met. Once you have met your deductible, claims are paid in full by your PPO plan, subject to any coinsurance for which you are responsible. Since your employer owns and funds the HRA, your employer determines if any unused funds in your HRA can be rolled over for the next benefit year. Also, you must remain employed by your employer and enrolled in a high-deductible health plan to be able to access and use the HRA funds.