Carpenters Fund HRA Login

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Frequently Asked Questions

• What expenses can I pay with the HRA?

  In 2019, HRAs can be used to pay for qualified medical expenses, which include prescription medications, insulin, an annual physical exam, crutches, birth control pills, meals paid for while...

• What expenses does a HRA cover?

  An HRA only covers qualified medical and dental expenses. According to the Internal Revenue Service (IRS), medical expenses are costs incurred to alleviate or prevent a physical or mental ailment, not expenses to maintain general health, such as vitamins.

• How does a health reimbursement account work?

  A Health Reimbursement Arrangement (HRA) is an employer-funded account that helps employees pay for qualified medical expenses not covered by their health plans. HRAs are compatible with all types of health insurance plans and they are owned by the employer.

• What can I use my HRA card for?

  Your cards are credited with the HRA contributions paid to the Fund office on your behalf. They can be used, instead of cash, to pay for qualified health care expenses such as:

• Can a HRA be used to pay for dental?

  Some employers may only allow the HRA to pay for services covered by your health plan. Some employers may also let you use funds in the account to pay for dental, vision or other services. Some of the more common expenses that HRAs can help pay for include:

• When is HRA considered affordable for an employee?

  An individual coverage HRA is considered affordable for an employee if the monthly premium the employee would pay (after the employer’s reimbursement) for the self-only lowest cost Silver plan available to them through the Marketplace in their area is less than 9.83% of 1/12 of the employee’s household income.