Health Reimbursement Account (HRA)
The Health Reimbursement Account (HRA) is an individual account that is maintained for each participant who is working for an employer that is required by Collective Bargaining Agreements and/or Participation Agreements to contribute to the Plan.
Claims for reimbursement must be made on HRA forms that are available at the Fund Office or your Local Union Office. You can obtain claim forms by mail or in person or download a printable HRA Claim Form. All claims must be for an aggregate minimum of $25.
If you, your spouse or your eligible dependent children under the age of 26 incur any medical, dental or optical expenses that are not reimbursed by the Fund, or any other health insurance plan, you may withdraw the unreimbursed amount from your HRA balance. Non reimbursable amounts include, but are not limited to, deductibles and co-payments, including prescription drug co-payments.
In addition, you may withdraw from the HRA balance to pay for the premiums incurred for the Participant Buy-In Plan (Voluntary Buy-In Plan), any of the Fund’s Buy-In Plans, or COBRA premiums (Member, Spouse and dependent Children only), upon your written request.
The Fund will not reimburse any claims that were incurred more than three (3) years before the date the Fund receives a properly completed reimbursement request. All claims must be for an aggregate minimum of $25.00
APPLYING FOR REIMBURSEMENT FROM THE HRA
To receive reimbursement from your HRA account, you must provide the Fund Office with the following:
- A copy of the Explanation of Benefits form(s) from Aetna, Delta Dental, or your other insurance carrier(s), if applicable, or a statement from Davis Vision.
- Proof of co-payment you paid to the provider/pharmacy.
- A copy of a bill if an EOB is not available.
- A properly completed HRA form.
- Any other documentation the Fund Office requires with respect to a particular claim.
For more information regarding the Health Reimbursement Account, please refer to the Health Fund Summary Plan Description or call the Fund Office at (315) 492-1796, and choose option 5.