HRA for Active Participants

As part of your collectively bargained allocation of wage and fringe package, a specified amount per hour is contributed for your health needs. Your Dollar Bank, which is used to cover medical plan coverage, and Health Reimbursement Arrangement (HRA) account contributions are combined. Once your Dollar Bank has enough money to provide you with six months of coverage ($9,060), the remainder goes to your HRA until you work 2,200 hours in a calendar year.

The money in your HRA account can be used to reimburse you for out of pocket expenses you incur before reaching your deductible and any coinsurance amounts you owe. The money can also be used for health care services that would not otherwise be covered by the Fund, including Retiree premiums.

Reimbursement options

If you’re a new member, you must complete an HRA opt-in form if you want the Fund Office to use funds in your HRA to cover the cost of out-of-pocket expenses. If you complete the HRA opt-in form, the Fund Office will automatically apply funds from your HRA to help cover costs for you and your dependents that otherwise would be billed to you as your deductible or coinsurance.

Members who are being automatically reimbursed who wish to change that election, must complete an HRA opt-out form.

If you are not set-up for automatic reimbursements, you need to complete and submit an HRA claim form and appropriate documentation to be reimbursed from your HRA.

How will I know how much money I have in my HRA?

Your HRA balance is included on each HRA reimbursement. You also will receive regular statements, showing both deposits to and deductions from your HRA.

In addition, you can always call Wilson-McShane at 1-952-854-0795 (Bloomington) or 1-800-535-6373 and ask to speak to your Claims Examiner.

What expenses are eligible for reimbursement?

Qualified medical expenses can only be reimbursed when they have not already been reimbursed by another insurance plan, including a Health Flexible Spending Account (FSA). If a portion of the expense has been reimbursed elsewhere, you can be reimbursed for the remaining portion (for example, the copay or deductible) through your HRA.

The following expenses are eligible for reimbursement. Note: This is not an all-inclusive list.

What expenses are not eligible for reimbursement?

Expenses that have been reimbursed by another insurance plan cannot be reimbursed. In addition, the following expenses may not be reimbursed by your HRA. Note: This is not an all-inclusive list.

How do I opt back in to automatic reimbursement?

You will need to complete the HRA opt-in form and return it to the Fund Office.

Can I use the money in my HRA if I am not currently eligible?

No, you must be currently eligible for coverage or a COBRA participant to access the money in your HRA account.

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