A Health Reimbursement Arrangement (HRA) is an employer-funded benefit plan that reimburses employees for out-of-pocket medical expenses. You and eligible family members will be automatically enrolled, no enrollment form is required.

General Information

Summary of Benefits

If you are enrolled in the company’s medical plan, Southern Tier Environments for Living’s HRA will pay as follows:

Single Coverage:  The HRA reimburses the first $1,250 of medical deductible expenses.  You may use your debit card or submit paper claims.  You will pay the next $1,250 of medical deductible expenses with your own money.  If you reach $2,500 of medical deductible expenses, the HRA will reimburse the amount between $2,500 and $5,000.  You will need to submit a paper claim along with an Independent Health Explanation of Benefits for this portion of the HRA. 

Family Coverage:  The HRA reimburses the first $2,500 of medical deductible expenses.  You may use your debit card or submit paper claims.  You will pay the next $2,500 of medical deductible expenses with your own money.  If you reach $5,000 of medical deductible expenses, the HRA will reimburse the amount between $5,000 and $10,000.  You will need to submit a paper claim along with an Independent Health Explanation of Benefits for this portion of the HRA. 

How to Use Your HRA

When paying deductible expenses with your debit card, please wait until you receive your Independent Health’s EOB, so that you know the actual amount of your deductible.  When the debit card is not used, a request for reimbursement may be mailed, faxed, or emailed to Beneflex, Inc.

Claim requests must include a Beneflex reimbursement form completed by the employee. Please include your EOB for deductible expenses.  Beneflex will reimburse you from your HRA account by check. 

Important Documents & Forms