Health Reimbursement Account (HRA) The HRA is designed to help members reduce their out-of-pocket costs for eligible medical expenses that apply to your annual deductible if you elect coverage in the Kaiser HDHP Signature 4 and the Flex Choice Signature Plan 20. NCIA will fund $500 for Individuals and $1,000 for Families under the Health Reimbursement Arrangement. Discovery Benefits will administer these accounts. Once claims are processed, any HRA claims are then processed by Discovery and paid directly to your medical providers or to the Pharmacies. Members are responsible for covering any difference between the HRA account and their deductible. Please note: the HRA will no longer be the default pre-tax account because NCIA now offers the Health Savings Account (HSA) as the default. Employees are able to select either the HSA or the HRA. For additional details on the HSA, see next page.
Basic HRA Concept Part I: High deductible health plan Health Insurance plan which pays benefits once the initial deductible is met.
Part II: Health Reimbursement Account (HRA) Funded by NCIA: $500 for Individual / $1,000 for Family
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2020 Benefits Guide
