2024 Health Reimbursement Account

Contact Cigna Health

• 855-869-8619
• https://www.cigna.com/
• https://my.cigna.com/web/public/guest

2025 Open Enrollment

October 21 - November 4, 2024

Open Enrollment is your annual opportunity to make changes to your benefit coverages (medical, dental, wellnes, etc), add/remove coverage, add/remove dependents and re-enroll in the FSAs (including the child care subsidy) and HSAs for calendar year 2025.

Click here to learn more

Create an Account

Cigna manages your HRA account. To monitor your HRA balance and expenditures you must create an account with Cigna.

1. Go to http://mycigna.com
2. Click on REGISTER
3. Make sure you have your Cigna ID or Social Security number available
4. Click START REGISTRATION
5. Enter your Name, Date of Birth and zip code
6. Answer a question about your membership
7. Enter your ID card number or SSN
8. Enter your zip code

To see your current HRA balance and how much you have spent,

1.  From the main dashboard, click on SPENDING ACCOUNTS
2. Click on HEALTH REIMBURSEMENT ACCOUNTS
3. If you are enrolled in the CCF or HDHP with HRA option, your Balance will be displayed on the screen.

Eligibility and Enrollment

All benefit eligible employees who elect either the Cigna Choice Fund (CCF) Plan or the High Deductible Health Plan (HDHP) with HRA option, will receive a contribution from Dartmouth in an HRA.

You do not need to enroll in a Health Reimbursement Account.  When you elect the CCF or HDHP plan with the HRA option as your medical plan, you will automatically be enrolled in an Health Reimbursement Account (HRA) through Cigna, and Dartmouth will fund your account within 7-10 days (by January 1st for open enrollment)

ID Cards

You will not receive an ID card for the Health Reimbursement Account.  The account is fully managed by Cigna.  Cigna processes your claims and uses the funds to pay your providers directly from the account.

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Contribution Amount

Dartmouth will contribute up to $500 annually when enrolling in emoyee only coverage, and up to $1,000 annually when enrolling in family coverage, consisting of two or more individuals.  Employees cannot contribute to the Health Reimbursement Account (HRA), but are allowed to contribute their own funds on a pre-tax basis to a Health Care Flexible Spending Account (HCFSA).

The annual contribution amount is prorated based on Date of Hire (if new to Dartmouth).

Dartmouth contributions are excluded from your gross income.

NOTE: Your annual Dartmouth contribution amount can change mid-year if you add or remove dependents.

Understanding The Benefit

• Enrolling in a Medical plan that comes with a Health Reimbursement Account (HRA) is a way of using non-taxable Employer contributions to help pay down your families annual deductible and coinsurance costs.
• Your HRA dollars are solely funded by Dartmouth.
• Your HRA account is front loaded so you can use the funds immediately.
• When you receive care, HRA dollars are automatically deducted from your HRA and are paid directly to your provider.
• HRA dollars spent will count toward your annual deductible and out-of-pocket maximum.
• No paperwork or IRS reporting is required.
• Your HRA cannot be used to pay for dental, vision, or copay expenses. But, the IRS does allow you to make employee contributions to a Health Care Flexible Spending Account (HCFSA) to cover these and other expenses that are not covered by your HRA.
• Since the HRA can only be used to cover deductible and coinsurance related expenses, your HRA dollars will cover prescription drugs when enrolled in the HDHP with HRA option but will not cover your prescription copays when enrolled in the CCF medical plan.

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How the Benefit Works

Payroll Deduction - There isn't one.  The HRA is an account that can only be funded by your employer. You do not contribute to a Health Reimbursement Account.

Account is Funded - When you elect the Cigna Choice Fund Plan or the High Deductible Health Plan with HRA option, Dartmouth College puts a set amount of money into a Health Reimbursement Account in your name.  This HRA Account is then managed by Cigna Health.

Incur Eligible Expenses - If you or a family member incur a medical or pharmacy expense under the High Deductible Health Plan (HDHP) that would apply toward the annual deductible or coinsurance amount, the provider will submit a claim to Cigna or Express Scripts for processing.

Claims Processing - Cigna (Express Scripts if pharmacy claim on HDHP) will receive and process the claim.  If any deductible or coinsurance are owed by you, the member, Cigna will pull funds from the HRA account and pay the provider directly.  Once the account is exhausted, the provider will then bill the member directly for any remaining balance due. Unlike the FSA and HSA accounts, you are NOT required to save or submit receipts for reimbursement.

Year End - Unlike the FSA and HSA accounts there are no year end claim submission deadlines and there are no tax filing requirements.

Leaving Dartmouth

The Account - If you are enrolled in either the Cigna CCF or the HDHP plan with HRA option at the time that you leave Dartmouth, then you would also have an HRA account attached to your medical plan. HRA accounts are funded by and belong to Dartmouth, so the amount that is remaining in the account when you leave, is thereby forfieted and goes back to the College.

Paying Claims - The HRA will follow the run-out period, which for Dartmouth is 90-days after the plan terminates. This means that both in- and out-of-network claims incurred prior to your coverage end date, and received by Cigna within 90-days of your coverage end date can still be paid with remaining HRA dollars.  Claims received after the 90-days will not be considered for payment.
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