How the HRA works:
- HRA only applies to deductible-related expenses
- Employee is responsible for first $500 of deductible per individual (max 2 per family)
- Xper then reimburses remaining $4,500 of deductible per individual
- Provider is paid directly with available HRA funds, so there is no upfront out-of-pocket expense while waiting for reimbursement
- Unused HRA funds do not roll over
- UPMC manages the HRA process behind the scenes