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