First, you pay out of pocket.

The HRA medical options have a deductible, which is the amount you must pay before the plan begins paying for covered services. If any dependents are enrolled, you must meet the family deductible before the plan shares in the cost of eligible expenses.

When you incur eligible health care expenses, you can choose to use your HRA or you can choose to pay another way (i.e., cash, credit card). It’s your choice.

Remember, to earn money into your HRA, you must complete Health Rewards at before December 1.