If you enroll in the HRA Plus or HRA Value plan, an HRA account is set up for you automatically by Cigna.

Each plan year, Allscripts makes contributions to your account that you can use to pay for eligible medical deductible and coinsurance expenses. See Allscripts contributions to your account below for details.

Even though associates cannot contribute to an HRA, you can earn Allscripts contributions to your account by participating in the All Well Wellness Program, through Virgin Pulse.

Unused HRA funds rollover at the end of the plan year, allowing you to accumulate funds for future healthcare expenses, as long as you remain in one of the HRA options from year-to-year.

If you use all of the available funds in your HRA before your deductible is met and/or before the plan year is over, you are responsible for paying all incurred medical expenses and/or remaining deductible. Once your deductible is met, you share the cost of medical services with Allscripts until you reach the out-of-pocket maximum.

Using your HRA

The funds in your HRA are available to use for eligible medical expenses as processed through the Allscripts Medical Plan. Your healthcare provider submits medical claims to process. Cigna will apply any available funds from your HRA toward your claims. Remember, your HRA dollars can only be applied towards deductible and coinsurance expenses incurred with the medical plan. HRA funds cannot be used towards dental and/or vision expenses.

Note: Prescription drug copayments are not eligible for reimbursement under an HRA.

See HRA or HSA: Which is right for you? below for more details about the health accounts.

If you enroll in the HSA Base plan and are eligible for a health savings account (HSA), an HSA account is set up for you automatically by Cigna.

The HSA is a tax-favored savings account that is owned by you. You can use money in your account to pay for qualified health care expenses, including deductibles and copays—or keep it for future expenses, even those you incur in retirement.

Here’s a brief look at how the HSA works:

• Your contributions to the HSA are pre-tax. You can select a contribution amount when you enroll/re-enroll each year, and contributions are taken from your paycheck pre-tax.
• Allscripts also makes contributions to your account. See “Allscripts contributions to your health account” below for details.
• The 2022 maximum total annual contribution (yours and Allscripts) to your HSA is $3,650 for associate coverage and $7,300 if you cover dependents. You can contribute an additional $1,000 if you are age 55 or older.
• Any money in your HSA that you don’t spend stays in your account to help you save for future medical and retiree health care expenses.

See HRA or HSA: Which is right for you? below for more details about the health accounts.

Allscripts automatically makes contributions to your health account (HRA or HSA) each plan year depending on the coverage level and the plan you choose. You can earn additional Allscripts contributions by participating in the All Well Wellness program through Virgin Pulse.

For current associates

• Allscripts contributes 40% of the Allscripts annual contribution total into your account on Jan. 1 of the plan year.
• Each calendar quarter (starting Jan. 1 through Sept. 30), you can earn an additional 20% in contributions by reaching Level 3 (12,000 points) in the All Well Wellness Program.
• These quarterly contributions will be deposited into your health account within 7 to 10 business days following the end of each calendar quarter.

For new hires or newly eligible for benefits

• Allscripts contributes 40% of the annual contribution total to your health account (HSA or HRA) within 7 to 10 business days following the first day of the month after your enrollment is finalized.
• Each subsequent calendar quarter (through Sept. 30), you can earn an additional 20% in contributions by reaching Level 3 (12,000 points) in the All Well Wellness Program.
• These quarterly contributions will be deposited into your health account within 7 to 10 business days following the end of each calendar quarter.

NOTE: For new associates, in addition to the Allscripts automatic annual contribution (40% as stated above), you can earn up to the quarterly amounts shown in the chart during each calendar quarter for deposit to your HSA/HRA. You will not be eligible to earn dollars for deposit to your HSA/HRA for previous calendar quarters.

Because HSA plans have certain tax advantages, the IRS defines specific rules for participants.

You are not eligible for an HSA if you:

• Are enrolled in Medicare.
• Are covered by another healthcare plan that’s not a qualified high deductible health plan.
• Can be claimed as a dependent on someone else’s tax return.
• Are covered by veterans’ benefits and have used Veterans Affairs medical services within the past three months. Veterans who have a service-connected disability can participate in an HSA regardless of when they received VA benefits.
• Are enrolled in or covered by a general purpose Healthcare Flexible Spending Account (FSA) or Health Reimbursement Account (HRA), including one through your spouse’s/domestic partner’s employer.

Important: HSAs are personally owned health savings accounts subject to annual IRS maximum contributions. Individuals must monitor their pre-tax elections and Allscripts contributions throughout the tax year to ensure they do not exceed the annual limits. You can review your year-to-date contributions through the single sign-on feature in www.mycigna.com. Changes to pre-tax HSA payroll contributions are permitted anytime throughout the year to account for necessary adjustments.

To change your HSA contributions during the year:

• Go to www.allscriptsbenefits.com.
• Click Start Here.
• Select Life Event and then HSA Mid-Year Change.

Changes to your HSA throughout the year will be effective at the beginning of the next month.