FAQs

HRA FAQs

What if I use funds in my HRA for non-medical expenses?

You are not allowed to use funds in your HRA for non-eligible expenses. If you do, you will receive a request from your plan administrator for reimbursement of the funds.

What if I have an FSA and an HRA through my employer? Which one pays first for qualified medical expenses?

Usually expenses eligible under both plans will be paid for with funds from your HRA first. However, your employer may specify that your FSA pays first. Contact Surency’s Customer Service department at 866-818-8805 to discuss the specific details of your plan.   

What can I pay for with my HRA dollars?

You can pay for qualified medical expenses, as determined by your employer, with funds from your HRA account. Eligible medical expenses generally include diagnosis, treatment and prevention of disease or treatment for any part or function of the body. Cosmetic medical expenses (such as a facelift) and expenses that benefit your general health (such as health club fees) are not eligible. Contact Surency’s Customer Service department at 866-818-8805 to discuss the specific details of your plan.  

Do I have to be enrolled in a high deductible health plan in order to be eligible to participate in an HRA?

No. HRAs can be offered in conjunction with any health plan.

What is the maximum amount my employer can contribute to my HRA?

There is no limit to the amount your employer can contribute, however your employer may set an annual maximum amount that will be contributed to your account.

Who can contribute to my HRA?

HRAs are funded solely by your employer. Your employer determines the amount and at what frequency funds will be contributed to your account.

If I use my Benefits Card to pay for qualified medical expenses, do I still need to keep my receipts and other documentation?

Yes, all eligible expenses are required to be validated. Most expenses paid for with your Benefits Card can be automatically validated without you needing to submit anything. But you should always keep your receipts and other documentation for tax purposes or in case we need to further verify your expenses. Learn more here.

Surency Login

Choose your Surency account type below to log in and access your account. Reimbursement accounts include FSA, DC FSA, LP FSA, HSA, HRA, Commuter, LSA, QSEHRA, Adoption Assistance, Travel Benefits, Direct Billing and Premium Only Plans.

Login