2021 Health Reimbursement Account (HRA)

Eligibility

All employees who elect either the Cigna Choice Fund (CCF) Plan or the High Deductible Health Plan (HDHP) with HRA will receive an employer contribution in an HRA.

Key Benefits

• Your HRA dollars are solely funded by Dartmouth to help reduce the amount you pay toward medical care during the year.
• When you receive care, HRA dollars are automatically deducted to cover deductible and coinsurance costs – they even count toward your out-of-pocket maximum.
• Your HRA account is front loaded so you can use the funds immediately.
• No paperwork or IRS reporting is required.
• Your HRA cannot be used to pay for dental, vision, or copay expenses. The IRS allows employee contributions to an HCFSA to cover these and other expenses not covered by your HRA.

Other Considerations

• Your unused 2019 balance will only be available to you in 2020 if you re-enroll in the same CCF or HDHP with HRA medical plan that you were in, in 2019.
• If you choose the CCF plan, your HRA dollars cannot be used to pay for prescription drugs or medical co-pays.
• If you are using Dartmouth Health Connect and choose the HDHP with HRA plan, your HRA dollars can be used to pay for prescription drugs.
• Your employer contribution can change mid-year if you add or remove dependents.

How the Benefit Works

Enrolling in a Medical plan that comes with a Health Reimbursement Account is a way of using non-taxable Employer contributions to help pay down your families annual deductible and coinsurance costs.

• When you elect the Cigna Choice Fund Plan or the High Deductible Health Plan with HRA option, Dartmouth College puts an amount of money into a Health Reimbursement Account in your name.
• This HRA Account is managed by Cigna Health.
• You do not contribute to a Health Reimbursement Account.
• If you or a family member incur a medical expense that would apply toward the annual deductible or coinsurance.
• The HRA funds cannot be used to pay for medical or prescription co-payments, dental costs, vision costs.
• You are allowed to contribute your own pre-tax dollars to a Health Care Flexible Spending Account, if you have a health plan with an HRA, and the Health Care FSA funds can be used to pay for items mentioned in number 5 above.
• If you ever leave Dartmouth, or if you switch to a different health plan during Open Enrollment, you will lose all unspent dollars remaining in your HRA Account.  Otherwise, if you stay in the same health plan during Open Enrollment, all unused HRA funds will carry over from year to year.
• You are not required to save or submit receipts for HRA paid expenses, the way you do with a Health Care FSA and/or a Health Savings Account.
• You are not required to report HRA received funds on your annual tax return.