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

Download P&A’s Mobile App

Download on Google Play    Download on the App Store

Letter of Medical Necessity Form
pdf (52.8kB)
Download
HIPAA Authorization Form
pdf (46.7kB)
Download
Benefits Card Order Form
pdf (54.3kB)
Download

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.

Store Locator

View a list of providers who will accept the P&A Benefits Card.

View List

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.

Mobile App

Download P&A’s mobile app and upload your claims directly from your phone.

MyBenefits Account

Log into your P&A MyBenefits account and click Upload Claim/Documentation to submit a claim.

Mail or Fax

Mail a claim form to P&A Group at 17 Court Street, Suite 500 Buffalo, NY 14202 - or fax a claim form to toll-free (877) 855-7105. Claim forms are available inside your My Benefits account.

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. 

FSA Eligible Expense List

Unsure of what expenses are eligible for reimbursement?

View List
OTC Eligible Expenses

In 2020 Congress expanded the list of FSA eligible expenses to include over the counter (“OTC”) items as well.

Learn More

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.

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

Download P&A’s Mobile App

Download on Google Play    Download on the App Store

Letter of Medical Necessity Form
pdf (52.8kB)
Download
HIPAA Authorization Form
pdf (46.7kB)
Download
Benefits Card Order Form
pdf (54.3kB)
Download

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.

Store Locator

View a list of providers who will accept the P&A Benefits Card.

View List

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.

Mobile App

Download P&A’s mobile app and upload your claims directly from your phone.

MyBenefits Account

Log into your P&A MyBenefits account and click Upload Claim/Documentation to submit a claim.

Mail or Fax

Mail a claim form to P&A Group at 17 Court Street, Suite 500 Buffalo, NY 14202 - or fax a claim form to toll-free (877) 855-7105. Claim forms are available inside your My Benefits account.

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. 

FSA Eligible Expense List

Unsure of what expenses are eligible for reimbursement?

View List
OTC Eligible Expenses

In 2020 Congress expanded the list of FSA eligible expenses to include over the counter (“OTC”) items as well.

Learn More

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.

Participant News

PCORI Filing Due August 2

June 14, 2021
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PPE is FSA Eligible; HSAs and Some HRAs Also Affected

April 6, 2021
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2020 CARES Act: Employee Benefits Update

April 2, 2020
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Coronavirus Testing & Treatment Identified as Preventative Care for HDHPs

March 17, 2020
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Benefits Card: Five Things to Know Before You Swipe

January 16, 2020
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IRS 2020 Contributions Limits: What’s Changing

November 8, 2019
Learn More