Health Care Reimbursement Account (HCRA)

The Health Care Reimbursement Account can be used for the following:

• to pay for most health care expenses not covered by your health insurance plan
• for regular, predictable health expenses, such as vision care, that are not covered by your medical or dental plan
• to provide a significant tax advantage

Here's a list of relevant topics mentioned in the Handbook

• HCRA Enrollment
• HCRA Mininum/Maximum Deduction Amount
• Claims Procedure
• Eligible Expenses
• Ineligible Expenses

See Handbook for more topics.

How does the HCRA account work ?

During open enrollment (September 1 - November 30), you will decide how much to contribute to your Health Care Reimbursement Account via payroll deductions for the upcoming year. While enrolling online, you will elect the Per Pay Period Amount, which will be deducted from your paycheck monthly or twice a month (depending on your pay schedule) and the deduction is made before taxes are withheld. This amount will be deposited into your Health Care Reimbursement Account. There are no user fees associated with this account.

When you incur out-of-pocket eligible health care expenses, you will be reimbursed from your Health Care Reimbursement Account. When your claim is submitted to BlueCross/BlueShield, while having HCRA, they will automatically reimburse you for your out-of-pocket expenses according to your HCRA plan.