A Health Reimbursement Account (HRA) is an account funded by Broward County, for employees enrolled in one of the High Deductible Health Plans (HDHP or HDHP OON) that cannot enroll in the Health Savings Account (HSA) due to IRS regulation or elected to keep the HRA due to an existing balance that they didn't want frozen. This account is only funded by Broward County if you and your enrolled spouse or domestic partner completes the annual Engagement Incentive. No additional deposits can be made to this account. You can use the funds to pay for eligible out-of-pocket health care expenses for you, your spouse and your eligible tax dependents. Eligible expenses include medical copays, coinsurance, deductibles, prescriptions and dental and vision expenses.
The Benefits of an HRA include:
- Tax-free money — You get to use tax-free, employer-provided dollars to pay for your health care expenses.
- Works with an FSA — You can have both a health care Flexible Spending Account (FSA) and an HRA at the same time. This means more ways to save money! Expenses will be paid out of FSA first, HRA second.
- Vested accounts — The balance in your HRA rolls over from year to year as long as you remain enrolled in the HRA for consecutive years. The maximum account balance or rollover cap for the HRA is $20,000, regardless of tier of coverage.
- Savings for retirement – Your vested balances (see We've Got You Covered ebook) are transferred to a Retirement Health Savings Account at ICMA upon retirement or separation from County employment.
Coordination of Benefits:
If you have an HRA and a Health Care FSA, your eligible expenses will be paid from your Health Care FSA first. Once you use your Health Care FSA funds, your eligible expenses will be paid from your HRA.
What health plan can I have?
High Deductible Health Plan (HDHP or HDHP OON)
What are the eligibility requirements?
You must be enrolled in one of Broward County's HDHP to receive an HRA and have a balance left in the HRA from a previous year OR be ineligible to have a Health Savings Account due to certain IRS rules.
IRS rules state you cannot enroll in an HSA if:
- you are 65 or older
- you are on or Medicare eligible
- you have TriCare or Veterans benefits
- you can be claimed as a dependent on anothers tax return
Who owns the account?
Broward County owns the account. If you leave the County, you can continue your HRA through COBRA contributions. If not continued through COBRA, and you have been enrolled in the HRA for six consecutive years, your balance will be transferred to a Retirement Health Savings Account (RHSA) at ICMA. Unvested balances forfeit back to the County.
Who contributes to the account?
Broward County only.
What can I pay for with my account?
Eligible health, dental, vision, and pharmacy expenses for you, your spouse, and your tax dependents. A list of common eligible and ineligible expense items is available on PayFlex.com
How do I access the funds?
- Use the PayFlex Card, your account debit card.
- Pay out of pocket and submit a claim for reimbursement. You can do this online, through the mobile app or fill out a paper claim and fax or mail it to PayFlex. For fast reimbursements, enroll in direct deposit!
- Use online bill payment (“Pay Them”) to pay your provider directly from your HRA. Please note: If you have a health care FSA and an HRA, the funds will come out of your FSA first. Once you use all the funds in your FSA, any other eligible health care, dental and vision expenses for the plan year will come out of your HRA.
Is documentation needed for reimbursement?
- You must submit an itemized statement, detailed receipt or Explanation of Benefits (EOB) when you submit a claim.
- After you use your PayFlex card, you will also be asked to provide documentation to verify that all dental and vision purchases are eligible.
- Medical expenses wll also require documentation. If docs are not provided, debit card will be suspended.
PayFlex Systems USA, Inc. (HealthHub)
Member Services: 800-284-4885
Section 125 Summary Plan Description - PDF printable