Learn How Brutus Buckeye Uses His HRA - Human Resources at Ohio State

Learn How Brutus Buckeye Uses His HRA

Brutus BuckeyeBrutus Buckeye has an active lifestyle here on campus. Here are a few sample scenarios featuring our favorite mascot, Brutus Buckeye, to help demonstrate how an HRA might work in various situations.

A Health Reimbursement Account (HRA) is an account to which Ohio State contributes tax-free* credits that you can use to pay for eligible health care expenses. Ohio State provides HRAs to medical plan members who participate in the Your Plan for Health (YP4H) Incentive Program. This allows you to earn credits to help pay the deductibles, copays and coinsurance for eligible medical, prescription, dental and vision expenses.

Scenarios

Brutus getting his biometric screeningFor 2017, Brutus Buckeye enrolls in single coverage with an Ohio State medical plan and contributes $850 to a 2017 Health Care Flexible Spending Account (FSA). He completes the PHA with biometrics and Levels 2 and 3 in the Your Plan for Health (YP4H) Incentive Program, earning the maximum $150 in HRA credits. The FSA contributions and HRA credits provide a combined $1,000 in tax-free funds to help pay for eligible health care expenses.

As the year goes on, Brutus gets new glasses in the spring, sprains his ankle jumping around the sidelines during homecoming, and after the Michigan game, he comes down with a sinus infection requiring prescription medication. His out-of-pocket health expenses for the year equal $900.

Brutus paid for all of these services with his Health Care Debit Card. His FSA will pay the first $850 in claims, and his HRA will pay $50. He still has $100 in HRA credits which will rollover to 2018. These funds will be available for use after April 15, 2018.

Summary:

Description Amount
Brutus Buckeye’s 2017 FSA Contribution $850
Brutus’s 2017 HRA Incentive +$150
Total available for 2017 (FSA plus HRA) $1,000
Total available for 2017 from above $1,000
Brutus’s Eligible Health Care Expenses – $900
Remaining HRA funds rolling over to 2018 (FSA plus HRA minus Expenses) $100

Scenario #1a
All of the above remains the same, except Brutus does not use the Health Care Debit Card. Instead, he pays for these health services with cash or check. He saved his receipts, but he is so busy with spirit activities that he does not submit any 2017 claims until 2018. Luckily, he has a grace period until March 31, 2018, to file claims for 2017 health services.

Brutus taking a selfieBrutus Buckeye is eligible for Ohio State medical benefits, but he already has coverage elsewhere. Even though he is not enrolled in an Ohio State medical plan, Brutus participates in Your Plan for Health’s Incentive Program, completing his PHA with biometrics. He reaches Level 1 in the Incentive Program.

When a qualifying life event causes Brutus to lose his previous coverage, he signs up for Ohio State medical benefits.

He continues to earn YP4H incentive points by participating in YP4H activities, starting where he left off at Level 1 with the same amount of points.

Once he earns 1,000 points, he completes Level 2 and receives $50 in HRA credits. He completes Level 3 with 3,000 points, earning another $75 in HRA credits for a total of $125 for the year.

Because he was not enrolled in an Ohio State medical plan when he reached Level 1, he will not earn the first $25 in HRA credits.

Resources:

Brutus BuckeyeBrutus Buckeye just accepted a job at Ohio State and is excited to start work. He wants to enroll in Ohio State health benefits and earn access to a Health Reimbursement Account (HRA).

As a new employee, Brutus has 31 days to enroll in an Ohio State medical plan. To earn the full HRA amount, he enrolls in a medical plan then waits three days to complete a free biometric screening on campus.

Three days after enrolling in a plan, he can use his biometric numbers from the physical to complete his Personal Health and Well-Being Assessment (PHA). This allows the time needed for the system to recognize that he is enrolled in an Ohio State medical plan. It’s important that Brutus completes the assessment AFTER enrolling in a medical plan, so he earns the first $25 HRA credit.

Completing the PHA with biometrics after three days gives Brutus access to the HRA. He earns his first $25 HRA credit, 100 YP4H incentive points and a premium credit to offset his monthly payment.

Now Brutus can participate in a variety health and wellness activities through YP4H to earn more incentive points and HRA credits.

Resources:

Brutus BuckeyeWhile his wife has her own health coverage, Brutus Buckeye enrolls in an Ohio State medical plan with single coverage. Brutus and Mrs. Buckeye also enroll in Ohio State’s Health Care FSA, contributing $1,200. Brutus completes the PHA with biometrics and Levels 2 and 3 in the Your Plan for Health (YP4H) Incentive Program, earning the maximum $150 in HRA credits.

His FSA contributions and HRA credits provide a combined $1,350 in tax-free* funds to help pay for eligible health care expenses, but there are certain limitations.

Since Mrs. Buckeye is not on Brutus’s medical plan, her eligible health care expenses can only be reimbursed by FSA funds, not HRA funds. Brutus’s eligible health care expenses will be paid from FSA funds first, (because unspent FSA funds will not roll over to the next year) followed by any unused HRA funds..

TASC, the university’s HRA/FSA administrator, will automatically pay claims from the correct accounts.

To monitor his FSA and HRA funds, Brutus logs into Employee Self Service and selects My FSA/HRA.

*There are tax consequences for non-dependent same-sex domestic partners.

*There are tax consequences for non-dependent same-sex domestic partners.