HEALTH REIMBURSEMENT
ACCOUNTS

A health reimbursement account (HRA) is a financial account you set up to reimburse employees for expenses not paid for by insurance, such as deductibles and co-insurance. You decide how much you want to contribute to your employees’ HRAs and what happens to unused funds if an employee leaves the plan or your company.

Why choose an Optum HRA?

• We’re flexible. Our accounts work with your medical plans. We can integrate account data with your plan websites and customer service experience. And, don’t worry about claims rollover—we’ll handle it.
• We’re helpful. When you enroll, our implementation manager will help you make a smooth transition. And you gain access to free, easy-to-use HRA education and management tools.
• We’re experts. Health accounts are our specialty. We can help you get employees comfortable with managing some of their health care expenses and work with you on a customized, holistic benefits approach that combines health, wellness and financial security.

Features

For HRA customers and their employees, Optum is pleased to provide:

• Assigned implementation manager. Get one-on-one support from a dedicated professional who is assigned to your account to make the transition a smooth one.
• Automated reports. Get participant reports on demand so you can track your benefit program.
• Customization options. Re-brand materials and tailor your employees’ experience to put your thumbprint on the program.
• Self-service website. Employees can access and manage accounts whenever, wherever.
• Debit card. Employees can manage multiple health account types with a single, convenient debit card.

Benefits

Optum HRAs can help you:

• Manage costs. Help offset your employees’ health care costs and gain tax advantages.
• Call the shots. Decide how much you contribute and what medical expense funds can be used for.
• Keep employees happy. Let them control how best to spend their health care dollars.
• Enjoy flexibility. Choose whether to allow funds to carry over each year. If employees leave, your contributions stay with you. Consider allowing employees to use unspent funds for medical care after retirement.

Talk to us about HRAs

Call 1-866-427-6804 or e-mail engage@optum.com to reach an employer relations representative.

This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment and restrictions. Federal and state laws and regulations are subject to change.