© 2012 United HealthCare Services, Inc.1

Health Reimbursement Accounts (HRA)

© 2012 United HealthCare Services, Inc.2

HRA key features

• Employer contributions Annual lump sum, pro-rated

• Account rollover Percent, flat, capped amounts

• Incentive contributions Stored separately with rollover dollars

• Covered services Deductible, coinsurance, copay, allowable medical expenses

• Initial deductibles Individual, family

• Claim auto-reimbursement

• HRA/FSA combination Account stacking of HRA pays first, then FSA

© 2012 United HealthCare Services, Inc.3

An HRA example

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Using incentives with HRAs

• Build health awareness and achieve behavioral changePurpose:

• Available to both employee and spouse

• No point system – dollar amounts only

• Customer specific incentive programs

Details:

© 2012 United HealthCare Services, Inc.

© 2012 United HealthCare Services, Inc.5

Using an HRA and FSA together

© 2012 United HealthCare Services, Inc.6

HRA pharmacy only debit card

• Convenient alternative for members to access HRA funds when pharmacy is integrated with medical

• Program partnership with 11 outside PBMs including:– OptumRx– Express Scripts– Express Scripts (Medco)– CareMark

About the debit card: