What is a Health Reimbursement Arrangement?

A health reimbursement arrangement (HRA) is a plan designed to help you manage the rising costs of health care by allowing you to pay for qualified medical expenses with money set aside in an account by your employer. Think of it as a personal savings account for medical expenses.

Your employer sets aside money on a pre-tax basis – this means as long as you use the money for qualified expenses, you won’t pay income taxes on it. View a list of qualified medical expenses.  

Take Control of Your Health Care Costs

Use money in your HRA to pay for out-of-pocket medical expenses. The example below show's Jane's employer contributing $1,000 per year to her HRA.  



How Does it Work?

Participating in a Surency AdvantagePlus HRA is easy.

1.    Your employer will contribute a specified amount to your account each year. The money may be deposited in increments or in one lump sum.

2.    When you are ready to use the money in your HRA for a qualified medical expense, just swipe your Surency AdvantagePlus Benefits Card. If you don't have a Surency AdvantagePlus Benefits Card, or you prefer to pay upfront then be reimbursed, you can file a claim electronically from the Member Login and you will be reimbursed with money from your HRA, as long as you have funds available.

3.    Check with your benefits administrator to determine if your employer allows for funds to roll over at the end of each year. If rollover is not available, be sure to use the funds in your HRA by the end of the year.


How to Use the Member Login.

Managing your Surency AdvantagePlus HRA through the Member Login is easy

More Questions?

Visit our Frequently Asked Questions page for answers. 

The savings amounts in the example above are provided by Surency for illustrative purposes only. You may save more or less based on your own tax situation. Some states do not recognize these tax exclusions for this program. No part of this website is tax, financial or legal advice. You should consult your own legal and tax advisers regarding your personal situation and whether this is the right program for you.