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Health Reimbursement Arrangement

A Health Reimbursement Arrangement (HRA) offered by your employer through Independent Health gives you more control over health care purchase decisions by:

  • Helping to pay for eligible expenses
  • Giving you online information and tools that help you monitor your account to take advantage of your HRA dollars
  • Providing the convenience and flexibility of the Innovations Visa® debit card for purchases (if applicable) – which means no extra paperwork

How It Works

Although HRA plan features vary among employers, here are the basic elements:

  • Your employer establishes an HRA account that you can use to help pay for any covered expenses during the plan year.
  • HRAs are employer-funded only. You are not able to contribute to an HRA.
  • Your employer establishes what expenses are covered under your HRA.

How might an HRA work for you?

See the following example:
Your company provides you with a Health Reimbursement Arrangement that includes a $1,000 employer-contributed fund, which you may use towards your $1,000 medical deductible only.

Your medical deductible:  $1,000

Using your HRA
Non-Eligible Expenses

Your initial fund balance contributed by your employer


Physician’s office - sick visit


Emergency room visit


Prescription copays


Dentist’s office - cleaning


Your remaining deductible


These costs and plan features are for example and may not reflect your actual experience.


Health Care Expenses Table


Call 716-505-8566 or 1-877-268-3799, Monday through Friday from 8 a.m. to 5 p.m. Eastern Standard Time.