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UND ER S TAND I NG
YOUR
HEALTH
FUND
Health Fund Questions?
Contact Discovery Benefits
866-451-3399 or
discoverybenefits.com12
HRAAdvantages
Funded entirely by Ciner.
HRA fund pays for first dollar services – no waiting
for fund to accumulate.
Year-end balances rollover to the following plan year
provided you re-enroll in the Blue Plan.
May also participate in the full Flexible Spending
Account (FSA) for medical, dental and vision
expenses.
Your unused HRA balance can carryover to the next
plan year if you’ve re-enrolled in a Ciner HRA plan.
Health Reimbursement Account (HRA):
What is it?
A Health Reimbursement Account (HRA) is an account
funded entirely by Ciner that is used to pay for eligible
health care expenses that apply towards your medical
deductible and covered prescription drug expenses. The
account is managed by Discovery Benefits. As claims are
processed, you can choose to use your HRA funds by
swiping your HRA debit card at point of service or you can
pay the charges out of pocket and ‘save’ HRA funds for
later. When the fund is exhausted, you pay the remaining
deductible and then your Blue Plan medical benefits apply
(coinsurance, copays, etc.).
How does your HRA work with your
medical plan?
1. Funds are deposited into your HRA. The Ciner
contribution is available immediately.
2. You or an eligible family member seeks medical or
other qualified healthcare services.
3. Claims are processed and paid by Continental Benefits
per the plan design, subject to your deductible and
coinsurance.
4. You can use your debit card to pay your deductible and
coinsurance.