Health Reimbursement Accounts

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What is a Health Reimbursement Account (HRA)?

The HRA is an employer-sponsored plan that can be used to reimburse a portion of your and your eligible family member's out-of-pocket medical, dental and vision expenses. This plan is an added benefit to your UnitedHealthCare (UHC) insurance. Sign up for this with your health insurance. It is not an insurance program, but a financial reimbursement plan funded entirely by your employer. Using the HRA allows you to have a reduced out-of-pocket expense without increasing your monthly premium.

The HRA account was set up January 1, 2005 and is continuing with the current plan year. Eligible expenses are expenses that are incurred while you are covered under the HRA. If you have single health insurance through the district, then only your expenses are eligible for reimbursement. If you have family health insurance through the district, then everyone covered under your health plan through the district is covered. There are three types of expenses that are eligible for reimbursement.

1. Medical expenses

Medical expenses that are covered under your group health insurance through the district are eligible for reimbursement, if you are responsible for paying for a portion or all of the expense (deductible, co-pay’s, co-ins). 

2. Vision
You may also be reimbursed for limited vision expenses

3. Dental

You may also be reimbursed for limited dental expenses. 

Please contact Risk Management if you need more information on these types of expenses.

As an employee and a covered participant under Okaloosa County School Districts Group Health Insurance Plan, you are a participant in the HRA plan. For each plan year, in the first week of January you will have $750 placed in your HRA account if you have single health insurance coverage through the district. If you have family health insurance through the district, you will have $1500 placed in your HRA account. If you have a balance remaining in your current HRA account that amount will roll into your account the first week of January the following year. In order for you to be reimbursed through this account, you must submit receipts for eligible expenses. Eligible expenses for reimbursement are those expenses that take place while you are covered under the HRA.

If you terminate employment with the Okaloosa County School District and you still have funding in your HRA account, you will have a 90-day grace period to file claims for reimbursement.  Eligible expenses would be those expenses that were incurred while you were covered under the group health insurance through the school district.

If you have any questions regarding your HRA Plan, please write or call:

Lockard & Williams Insurance Services, P.A.
P.O. Box 1028
Gonzalez, Florida 32560
Phone (228) 762-2500
Phone (800) 530-7222
Fax (850) 479-2923

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