Health Reimbursement Account
Administered by Cigna
A Health Reimbursement Account (HRA) is a company-funded and -controlled account that can be used to pay for qualifying medical and prescription expenses related to your medical plan deductible.
You do not contribute to an HRA. This is a company-controlled account set up for you by FirstCall. You must be enrolled in the Cigna EPO medical through FirstCall to qualify.
FirstCall contributes $1,000 per Employee (or $2,000 per Family) to your HRA on a annual basis.
How does it work?
A Health Reimbursement Account (HRA) is an employer-funded benefit that helps employees pay for certain healthcare costs. The employer sets aside a specific amount of money that you can use to get reimbursed for eligible expenses, specifically your health plan deductible and in-network services. You don’t contribute any money to the HRA, and reimbursements are tax-free.
About Health Reimbursement Accounts
Basics
A health reimbursement account (HRA) is an account to help you pay for eligible medical expenses. These accounts are funded by and controlled by your employer.
- Employer-Funded: The employer contributes to the account, allowing employees to reimburse themselves for qualified medical, dental, or vision expenses.
- Tax Benefits: Funds in an HRA are tax-free and not reported as income, providing financial advantages for employees.
- Reimbursement for Expenses: Employees can request reimbursement for actual medical expenses incurred, up to the amount set by the employer.
- Not a Bank Account: An HRA is not a traditional bank account; it does not earn interest or allow for investment.
How It Works
Company-Funded: Employees are not able to contribute to an HRA account.
Company-Controlled: Most employers set up HRAs for their employees to pay for expenses not typically paid for by health plans — medical and pharmacy expenses that may be paid out-of-pocket before meeting a deductible, as well as coinsurance after meeting a deductible.
Tax Advantages: Your reimbursement for eligible medical expenses is generally not considered taxable income. You usually receive the full amount, and don’t have to pay federal or state income taxes on the money.
Use It or Lose It: This is a company account and any unused monies when you terminate the plan will remain with FirstCall.
Click to visit the glossary on the Resources page for informational content, carrier resources, and benefits terms.
HRA Company Contributions
Individual Limit
$1,000
Family Limit
$2,000
Eligible HRA Expenses
Deductibles & In-Network Services
The HRA can only be used on in-network services covered by a FirstCall medical plan. These dollars count towards the overall deducitble you pay out-of-pocket for medical or prescription expenses.
Not for Copays
Your HRA does not cover copayments for services. A copay is a set dollar amount you pay for in-network doctors’ office visits, emergency room services and prescription drugs.
Click to learn more about the HRA through Cigna.
Your Health Reimbursement Account is administered by Cigna.
Cigna has developed a microsite experience that goes into additional detail about your plan options as well as additional resources and programs to support your overall wellbeing. Click the button below to learn about the medical plan offerings and more.
Contact the provider of these benefits by calling this phone number or visiting this website: Cigna Healthcare Customer Service - 1 (800) 997-1654, www.cigna.com
Questions?
Call the Care Line at (877) 835-1361.
Care Line is an NFP-sponsored program that is staffed by dedicated professionals to help you understand the benefit options made available to you. Whether you have concerns about a recent claim or bill, finding an in-network doctor or just some guidance on which medical plan is right for you and your family, the Care Line can help educate and advocate.
The Care Line is open Monday through Friday from 9:00 am - 6:00 pm ET.
For questions related to your benefits (enrollment, coverage, etc.), our Benefits Concierge team is here to help, email dbbenadmin@nfp.com.
For any claims-related issues, please reach out to our dedicated Claims Specialists, email csclaims@nfp.com.
FirstCall Benefits Team
Our very own internal Benefits Team is at your disposal. If you have any questions about your benefits, need help understanding eligibility or the enrollment process, or experience a qualifying life event, please contact us at benefits@firstcallmechanical.com.
This Digital Benefits Guide is intended to highlight available benefits and should be relied upon to fully determine coverage. The benefits plan may not cover all health care expenses. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage that you will receive upon request. If this Digital Benefits Guide conflicts in any way with the policy issued by the employer, the policy shall prevail.