Following are member frequently asked questions and answers about an HRA.

Q: Who funds the HRA?

A: Your employer funds the account. See your benefit summary for detail on your employer’s contribution.

Q: Who pays my health care provider?

A: You pay your provider. Account payments are made directly to you, the employee, so you’re in charge of managing your account. When you’ve reached your deductible, the health plan pays providers directly. You continue to pay your portion (coinsurance) of the expense until you reach your out-of-pocket maximum. The health plan continues to pay your provider after you’ve reached your out-of-pocket maximum.

Q: How am I reimbursed for payments that I make to providers?
A: If you’ve signed up for our crossover feature, you’ll receive reimbursements from your account through an automated submission from your SelectAccount. You can choose to have your reimbursements deposited automatically into your personal checking or savings account, or mailed to your home.

Q: What is crossover?

A: Crossover is a feature from SelectAccount that lets you save time with peperless, automatic claims processing. Claims for participating providers are automatically submitted from your health plan to your health reimbursement account. If you don’t have crossover, you’ll need to manually submit a claim to SelectAccount. Note: if you are covered under more than one health plan, do not choose crossover.

Q: Can I choose which expenses I’d like to be reimbursed for?

A: Yes, but if you want to pick and choose which expenses to be reimbursed for, do not sign up for crossover. Instead, submit a claim request each time you want to be reimbursed from your HRA. You can download a claim form at selectaccount.com.

Q: Will I have to pay my doctor before I receive reimbursement for my account?

A: It’s possible that you may have to pay your doctor before you’re reimbursed, particularly if there is not enough money in your HRA to cover the expense. However, claims are processed as quickly as possible. If you need to make special payment arrangements with your doctor or clinic, be sure to call the clinic’s business office. Any late charges are your responsibility and are not reimbursable by your health reimbursement arrangement.

Q: What is HRA rollover?

A: Rollover means that if there’s money left in your HRA at the end of one year, it’s carried over to the next year’s balance. That means you have more account money to pay next year’s deductible.

Q: Is there a maximum rollover amount?

A: That depends on your plan design. See your benefit summary for details.