Annual PCORI Fees Due July 31, 2024
June 13, 2024
Health Reimbursement Arrangement
What is it?
A Health Reimbursement Arrangement (HRA) is an employer-funded benefit that can be used to repay employees for uninsured medical expenses.
How Does It Benefit You?
Your employer contributes tax-deductible money to the account, and you receive reimbursements tax-free. There are several different kinds of HRAs available. Please refer to your plan documents to find which one your employer offers.
For example, your employer may restrict reimbursements to specific expenses, such as prescription drug co-pays or deductible expenses. Some HRAs can also reimburse for the same expenses as a Health Flexible Spending Account. However, unlike an FSA, unused HRA balances can be carried forward from year to year, depending on your employer’s plan design.
Manage Your Account Online
Create your online account so you can submit claims, check your account balance, sign up for direct deposit and more. Download our mobile app to conveniently access your account anytime, anywhere. You can also manage your account when you log into your account from any of your mobile devices.
How to Log Into Your Account
Watch Video
P&A Mobile App
Learn how to use P&A's mobile app to manage your P&A account. Penny Panda shows you how in this tutorial. Please note: this app is available for FSA, HRA, Commuter, and COBRA participants.
Watch VideoDownload P&A’s MyBenefits Mobile App
Use Your P&A Benefits Card
P&A Benefits Card
When you enroll in an FSA, you’ll receive a P&A issued Benefits Card in the mail. Use your P&A Benefits Card to purchase expenses wherever MasterCard is accepted. When you swipe the card, your money is automatically deducted from your account.
P&A Group Benefits Card
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Additional cards can be ordered at no extra cost by logging into your P&A MyBenefits Account. You can also contact customer service to order extra cards.
After you use your Benefits Card, you may be occasionally requested to provide documentation of your purchase. This request is to ensure the plan is in compliance and you’re using it to purchase IRS-approved eligible expenses. Examples of acceptable documentation include an Explanation of Benefits (EOB) from your insurance carrier or an itemized receipt.
View a list of providers who will accept the P&A Benefits Card.
If you are unable to use your Benefits Card, pay for your expense out-of-pocket and submit a claim to P&A.
How to Submit a Claim
If you’re unable to use your Benefits Card, you can pay out-of-pocket for your expense and submit a claim for reimbursement.
How To Submit A Claim
Watch Video
Ways to Submit a Claim
With P&A, there are numerous ways to submit a claim for reimbursement.
MyBenefits Account
Log into your P&A MyBenefits account and click Upload Claim/Documentation to submit a claim.
All claims must be accompanied with a receipt/proof of purchase that includes the date(s) of service and service(s) rendered. Estimates or statements with previous balances are not sufficient. Additional information may be requested if a receipt/proof of purchase contains an estimate, previous balance or does not contain service and services rendered.
Unsure of what expenses are eligible for reimbursement?
In 2020 Congress expanded the list of FSA eligible expenses to include over the counter (“OTC”) items as well.
Sign up for Direct Deposit
Enroll in direct deposit and have your reimbursement deposited directly into your designated checking or savings account. With direct deposit, P&A’s typical turnaround time is less than 24 hours from the point a claim is approved. If you don’t enroll in direct deposit, a reimbursement check will be mailed to your home, which can take anywhere from 10-15 business days.
To sign up for direct deposit, log into your account and go to Direct Deposit under Quick Links. Please note, it can take up to 15 days to verify your banking info and set up direct deposit in your MyBenefits account.
Manage Your Account Online
Create your online account so you can submit claims, check your account balance, sign up for direct deposit and more. Download our mobile app to conveniently access your account anytime, anywhere. You can also manage your account when you log into your account from any of your mobile devices.
How to Log Into Your Account
Watch Video
P&A Mobile App
Learn how to use P&A's mobile app to manage your P&A account. Penny Panda shows you how in this tutorial. Please note: this app is available for FSA, HRA, Commuter, and COBRA participants.
Watch VideoDownload P&A’s MyBenefits Mobile App
Use Your P&A Benefits Card
P&A Benefits Card
When you enroll in an FSA, you’ll receive a P&A issued Benefits Card in the mail. Use your P&A Benefits Card to purchase expenses wherever MasterCard is accepted. When you swipe the card, your money is automatically deducted from your account.
P&A Group Benefits Card
Watch Video
Additional cards can be ordered at no extra cost by logging into your P&A MyBenefits Account. You can also contact customer service to order extra cards.
After you use your Benefits Card, you may be occasionally requested to provide documentation of your purchase. This request is to ensure the plan is in compliance and you’re using it to purchase IRS-approved eligible expenses. Examples of acceptable documentation include an Explanation of Benefits (EOB) from your insurance carrier or an itemized receipt.
View a list of providers who will accept the P&A Benefits Card.
If you are unable to use your Benefits Card, pay for your expense out-of-pocket and submit a claim to P&A.
How to Submit a Claim
If you’re unable to use your Benefits Card, you can pay out-of-pocket for your expense and submit a claim for reimbursement.
How To Submit A Claim
Watch Video
Ways to Submit a Claim
With P&A, there are numerous ways to submit a claim for reimbursement.
MyBenefits Account
Log into your P&A MyBenefits account and click Upload Claim/Documentation to submit a claim.
All claims must be accompanied with a receipt/proof of purchase that includes the date(s) of service and service(s) rendered. Estimates or statements with previous balances are not sufficient. Additional information may be requested if a receipt/proof of purchase contains an estimate, previous balance or does not contain service and services rendered.
Unsure of what expenses are eligible for reimbursement?
In 2020 Congress expanded the list of FSA eligible expenses to include over the counter (“OTC”) items as well.
Sign up for Direct Deposit
Enroll in direct deposit and have your reimbursement deposited directly into your designated checking or savings account. With direct deposit, P&A’s typical turnaround time is less than 24 hours from the point a claim is approved. If you don’t enroll in direct deposit, a reimbursement check will be mailed to your home, which can take anywhere from 10-15 business days.
To sign up for direct deposit, log into your account and go to Direct Deposit under Quick Links. Please note, it can take up to 15 days to verify your banking info and set up direct deposit in your MyBenefits account.