All employees who enroll in the Blue Options High Deductible Health Plan (HDHP) 05360 are automatically enrolled in a Health Reimbursement Account (HRA).
How does an HRA work and how does it benefit me?
Funded 100% by St. Johns County, the HRA is only available to employees enrolled in the Blue Options High Deductible Health Plan (HDHP). St. Johns County contributes money into your account to help pay for eligible medical, dental, vision, and prescription expenses based on your elected tier:
- $600 Employee Only
- $1,000 Employee + Spouse
- $1,000 Employee + Children
- $1,500 Employee + Family
If you are a new employee with benefits starting after January 31, this amount will be prorated at a monthly rate.
What is the difference between an HRA and an FSA?
HRAs are employer-funded, which means your employer determines the amount that goes into the HRA. FSAs are employee-funded which means you elect the amount of funds to be deducted from your salary. You determine the amount that goes into your FSA. The only other difference between HRA and FSA eligible expenses is in regards to dependents. An FSA can reimburse expenses for any tax-qualified dependent. The HRA can only reimburse expenses for dependents covered under your St. Johns County HDHP. Reimbursement Spending Account Comparison Chart
How will I access the money provided in my HRA?
You will receive an AmeriFlex Convenience Card after signing up for the HDHP with HRA. You can swipe your card at any health care provider’s office that accepts credit or debit cards. You can also file a paper claim form with AmeriFlex, to be reimbursed from your account.
Can I enroll in the Blue Options HDHP with HRA and still elect an FSA?
Yes. Employees can contribute to an FSA while enrolled in an HRA. Funds for the HRA and FSA are loaded onto one card. However, you will be required to use your entire FSA balance prior to accessing the HRA funds.
What can I spend my HRA money on?
You can spend your HRA money on out-of-pocket medical, prescription, dental and vision expenses which are eligible for reimbursement if the expenses are for medically necessary care or treatment incurred during the plan year. You can visit Ameriflex for a searchable list of eligible expenses or read the official IRS Publication 502 for more information.
Will my HRA funds rollover into the next plan year?
The HRA dollars are funded by St. Johns County and must be used prior to the end of each plan year on December 31. Account balances do not rollover from year to year.