© ConnectYourCare. All Rights Reserved. Health Reimbursement Arrangement (HRA) Information

© ConnectYourCare. All Rights Reserved.

Health Reimbursement Arrangement (HRA) Information

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Who We Are

• ConnectYourCare is your health care account administrator, offering the most advanced and user-friendly account solution.

– Online and mobile account access

– Health education tools– Payment card– Easy access to funds


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What is an HRA?

•Contributions– Your employer contributes funds to your account

•Using Your Account – Use the funds for qualified medical expenses

(may be limited by your employer)– Use the funds for your spouse’s or your eligible dependents’ qualified

medical expenses

•Funds Forfeiture– Funds may roll over to the next plan year, depending on your employer’s

plan


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Examples of Qualified Medical Expenses


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Examples of Qualified OTC Expenses

Some over-the-counter items are eligible for purchase with HRA funds.


Eligible without a Prescription:Band aidsBraces & supportsCathetersContact lens supplies & solutionsDenture adhesivesDiagnostic tests & monitorsFamily planning itemsFirst aid suppliesInsulin & diabetic suppliesOstomy productsReading glassesSunscreen & sun block (SPF 15+, broad spectrum) Wheelchairs, walkers, canes

Eligible with a Prescription*:•Acid controllers•Allergy & sinus medicine•Antibiotics•Anti-diarrheals•Anti-gas products•Anti-itch and insect bite•Anti-parasitic treatments•Baby rash ointments/creams•Cold sore remedies•Cough, cold & flu•Digestive Aids•Feminine anti-fungal/anti-itch•Hemorrhoidal preps•Laxatives•Motion sickness•Pain relievers•Respiratory treatments•Sleep aids & sedatives•Stomach remedies

Dual Purpose Items:These items can be used for a medical purpose or for general health and well being and are eligible only with a prescription, doctor’s directive or letter of medical necessity:•Dietary and weight loss supplements•Fiber supplements•Orthopedic shoes & inserts•Snoring cessation aids•Vitamins & herbal supplements

* A “prescription” means a written or electronic order for a medicine or drug that meets the legal requirements of a prescription in the state in which the medical expense is incurred and that is issued by an individual who is legally authorized to issue a prescription in that state.

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Examples of Not Qualified Expenses


Easy Access to Your Account

© 2014 ConnectYourCare. All Rights Reserved.

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Online CDH Portal

• 24 x 7 real-time access to:– Obtain real-time account

balances– Check transaction history on

accounts – contributions and disbursements

– Submit online request for reimbursement, check claim status, and view reimbursement schedule

– Add/update personal and direct deposit information

– Access a variety of health education and wellness tools


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Health Education Tools• WebMD Hospital AdvisorSM— Hospital information

and rankings for specific procedures

• WebMD Medication AdvisorSM— Information on less

expensive prescription options

• WebMD Treatment Cost AdvisorSM— Cost estimates

on 350 of the most common medical conditions, tests,

and procedures

• WebMD Health TopicsSM— A to Z medical

encyclopedia listing of over 1,500 ailments with

information, treatment options, prevention, and more

• WebMD HealthQuotientSM— State-of-the-art

assessment tool that scores participants’ health status,

calculates risk levels, and provides recommendations

for health improvement and behavior change

• Symptom Checker — Information about what medical

symptoms could indicate and helpful facts before a

doctor’s visit


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Mobile Solutions• Mobile App

– Available for Android, iOS and Windows devices

– View account balance, alerts and transaction history

– Submit a new claim

– Make payments with Online Bill Pay and Click-to-Pay

– Tap to call Customer Service

– Upload claim documentation with your device’s camera

• Mobile Browser– Streamlined version of online account viewable from any

mobile device

– Access many of the Mobile App’s features without having to download it

• Mobile Alerts and Two-Way Texting– Request and receive account information and alerts via text

message

– Sign up for this feature through your online account


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Accessing Account Funds

Payment Card for HRA• Use it at locations where Visa is

accepted

• Use it for qualified health care expenses

• Automatically records purchase online

• Money comes directly out of your account

• No need to pay upfront and wait for reimbursement

• Cannot be used at ATMs

• Multiple ConnectYourCare accounts are accessible with the same card (if offered by your employer)


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Reimbursement RequestsPay with personal funds and request reimbursement any HRA purchases made without your card.

•Pay for a qualified expense using personal funds •Enter your claim online or using the mobile app


• Upload documentation online or with mobile app

• Receive reimbursement via check or direct deposit

Tip: Set up direct deposit for faster reimbursements!

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Receipts Overview• IRS requires all charges to be

verified as an eligible expense• Some expenses are verified

automatically, all others require itemized receipts

• Payment card will be suspended if itemized receipts are not submitted

• Receipts must include:– Name of the patient– Date the service was provided– Name of the service provider– Description of the service– Amount/cost of the item or service

requiredTip: Your health plan EOB typically contains

all the required information!


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Submitting Receipts

• Many ways to submit receipts:– Mobile upload – snap a picture

with your phone!– Online upload – quickly and

easily upload a scanned image– Fax – Print out a cover form from

your online account. Each bar-coded claim form is unique, be sure to use the one designated for that claim.

– USPS mail – Print out a cover form from your online account mail it along with a copy of your receipts.

• View uploaded images immediately


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Customer Service Always Available

• Live Customer Assistance

– Available 24/7, 365 days a year

– Detailed questions or personal assistance

– Trained in adjudication and call assistance

• Interactive Voice Response

– Account information

– User name reminder or password reset

• Online Portal, Mobile App, Mobile

Browser and Mobile Alerts

– Real-time account balances and transaction

information


Best-in-class service to participant through multiple channels

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Frequently Asked QuestionsHow will I be able to access my account funds?

– You will receive a payment card from ConnectYourCare to access your HRA funds. You can also pay for eligible expenses with any other form of payment and request reimbursement from your account.

When can I request reimbursement from my account?– You have access to the account when your plan becomes effective.

How will I know if I need to submit a receipt for substantiation?– If a receipt is needed, you will be notified by email or letter within a week of

your payment card swipe. You can also check by logging into your account and visiting the Claim Center.

What if I don’t submit my receipts?– You must provide the receipts within the time requested, or the transaction will

be deemed ineligible, and you will be required to refund the amount of the transaction. If you fail to submit required receipts, your payment card will be deactivated. If you fail to reimburse the account, the amount of the ineligible expenses may be added to your W-2 or withheld from your pay.


Documents

© ConnectYourCare. All Rights Reserved. Health Reimbursement Arrangement (HRA) Information