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Health reimbursement arrangement (HRA)

Our HRA helps employees manage their healthcare costs. A HRA is similar to an expense account that your employer puts money into. They can use the funds for qualified medical expenses like doctor's office visits, as well as other eligible healthcare costs.

Manage costs with this “expense account”

As the employer, you can put money into an employee’s HRA, and determine the amount of the HRA and list of eligible expenses, which can include:

  • Dental services
  • Eye exams, eyeglasses, contact lenses and solution, and laser surgery
  • Orthodontia, dental cleanings, and fillings
  • Prescription drugs
  • Physical therapy
  • Speech therapy
  • Chiropractic expenses

Employees can't use the money for experimental treatments, cosmetic procedures, or insurance premiums.

If employees don't use all of the HRA funds during the plan year, they may be able to carry over some or all of their money to the next year.

As the employer, you determine whether employees will have this option, how much can be carried over, and when funds are available.

Examples of how it works:

Please note: Over-the-counter medications such as pain relievers, cough syrup, and allergy medicines require a prescription to be eligible for reimbursement from a flexible spending account or HRA. The Humana Access® Mastercard Debit Card will not be able to be used to purchase OTC medications.


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