Health Reimbursement Account (HRA)

Health Reimbursement Account (HRA)

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.

Health Savings Account (HSA)

Health Savings Account (HSA)

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 contributions to your health savings account

Allscripts contributions to your health savings account

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. Here’s a summary of Allscripts’ contributions for 2021 to your HRA or HSA account:

Coverage level Allscripts automatically contributes on Jan. 1 Additional contributions that you can earn each quarter Allscripts contributions up to plan year annual maximum
Q1 Q2 Q3
Associate only $200 $100 $100 $100 $500
Associate + spouse/DP $300 $150 $150 $150 $750
Associate + child(ren) $300 $150 $150 $150 $750
Associate + family $400 $200 $200 $200 $1000

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.

Are you eligible for an HSA?

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:

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

HRA or HSA: Which is right for you?

HRA or HSA: Which is right for you?

HRA HSA
What is it?
A reimbursement account that helps you meet your deductible and/or pay coinsurance each year. An individually owned savings account that helps you save money for current and future healthcare.
Who is eligible for these accounts?
You are eligible for the HRA if you enroll in the HRA Plus or HRA Value medical plans. You are eligible for the HSA if you enroll in the HSA Base medical plan and meet eligibility requirements outlined in “Are you eligible for an HSA?” above.
Who owns the account?
Allscripts You
Does Allscripts contribute to my account?
Yes. See Allscripts contributions to your health account above for details. Yes. See Allscripts contributions to your health account above for details.
Can I contribute to my account?
No, associates cannot contribute to an HRA. Yes, you can contribute up to the IRS maximums each year (tax-free).

The limits are:
For 2022: $3,650 associate only/$7,300 family
For 2021: $3,600 associate only/$7,200 family

If you are age 55 or older, you can contribute an additional $1,000 in catch-up contributions.

Are contributions subject to income tax?
No No
Does interest accrue?
No Yes
Balance carry over (or rollover)?
Yes, under the current plan design, unused funds are carried over to the following year as long as you remain in one of the HRA plans. Yes, unused funds are carried over to the following year. Your HSA is your own account that you manage.
Is this benefit portable?
No. You forfeit any unused money in the account if you change to a non-HRA plan or leave Allscripts and do not elect COBRA. Yes. Your HSA is a personal Health Savings Account that goes with you. Your balance is not forfeited if you change plans or leave Allscripts.
Proof of expenses required?
Yes. IRS regulations governing HRAs require each claim be substantiated by an “explanation of benefits” statement or through itemized receipts. No; however, you should be prepared to substantiate to the IRS the expense has been incurred, the amount of the expense, and its eligibility.
Investment options?
No. Yes, after you have at least $2,000 in your account.
Eligible to participate in the Healthcare FSA?
Yes, you can participate in the General Purpose FSA. You can participate in the Limited Purpose (Combination) Healthcare FSA to pay for eligible dental and vision expenses and qualified medical expenses once the deductible has been met.
How do I access the funds?
When Cigna processes an approved claim that is subject to the deductible and/or co-insurance, they withdraw amounts due from any available balance and pay your provider on your behalf. You are responsible for paying any balance due after your HRA is depleted. You can access your explanation of benefits (EOB) at www.mycigna.com. Your financial responsibility will be listed on the EOB. You can access your HSA (at HSA Bank) directly from Cigna when logged in at www.mycigna.com. The amount(s) due will be reflected in your HSA Bank account. You can easily pay your provider directly from your HSA Bank account. You can also reimburse yourself for qualifying expenses you paid with non-HSA funds. Tip: Do not turn on “auto pay” functionality. Reconcile all your EOBs before submitting payment to your provider.

For more details about both types of health accounts, see IRS Publication 969.

Need assistance?

HSA Bank

800.244.6224
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Health account funds roll over

  • For HRA options: Unused funds roll over for the following plan year if you remain in the Cigna HRA Plus or HRA Value plans. If you change your HRA medical option to the HSA Base plan, any unused funds are forfeited at the end of the plan year.
  • For HSA option: Unused funds in your account at the end of the year roll over for the following plan year. If you change your medical option to an HRA option, you still keep and use your HSA funds; however, you may not make new contributions to the HSA in the new plan year.

5 reasons to consider an HSA

  1. You can use it… or keep it. Any money you don’t use by the end of the plan year rolls over into the next and earns interest.
  2. You can take it with you. If you leave Allscripts, you take your HSA funds with you. You can even use your HSA funds to help pay for COBRA, if needed.
  3. You’re in control. You decide how much to spend or save and when to use (or not use) your money.
  4. It stays with you for the long haul. If you’re able to save your HSA funds over time, you can use them for qualified expenses during retirement.
  5. It has real growth potential. When your HSA balance reaches $2,000, you can invest your balance to earn even more.