HRA for Pre-Medicare Retirees

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

Assuming there are sufficient funds in your HRA account, the Fund Office will automatically reimburse the part of your claims (including those of your dependents) that otherwise would be billed to you as your deductible or coinsurance.

If you don’t want to be automatically reimbursed, you must complete the HRA opt-out form. After completing this form, you submit claim forms and the appropriate documentation in order to be reimbursed.

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?

Yes. You can still access the money in your HRA account, even if you are not currently eligible for coverage.

Get answers to your frequently asked questions

Learn more