How the CDHP HRA Works
The CDHP HRA combines a Consumer Driven Health Plan (CDHP) and a Health Reimbursement Account (HRA), which helps you pay for care when you need it.
- Your annual checkup and other preventive care are 100% paid by the plan.
- If you need any prescription drugs or medical care beyond your annual checkup, the insurance company automatically uses your HRA balance to cover the cost of the claim.
- Any eligible claims paid for with your HRA balance count toward your deductible and out-of-pocket maximum.
- If you met your deductible and still have an HRA balance, your 20% coinsurance will also be covered by your HRA balance until exhausted.
- Once your HRA balance is exhausted, you pay any amount owed—this amount will depend on whether you meet your deductible.
- If you reach your out-of-pocket maximum, the plan pays 100% of your eligible medical and prescription drug claims for the rest of the year, as long as you’re enrolled in the CDHP HRA.
For full details, like the cost of office visits, prescription costs, and more, visit the Medical Plan Comparison Chart.
HRA Contributions
K-C allocates funds to your HRA to help offset the cost of eligible medical and prescription drug claims. If you’re enrolled in the CDHP HRA as of January 1, you get:
- $500 in your HRA for Individual coverage,
- $1,000 for 2-Party, and
- $1,500 for 2-Party Plus.
K-C’s contribution is prorated if the effective date of your coverage is after the first quarter of the plan year.
About Your HRA
If you still have a balance in your HRA at the end of the year, it rolls over as long as you remain enrolled in the CDHP HRA. Unlike the HSA, the HRA is not an actual bank account and you can’t make your own contributions.
You can check your HRA balance by logging on to Anthem.com or by calling Anthem at 866-873-4010.
If you enroll in the CDHP HRA and also the Flexible Spending Account (FSA – formerly Health Care Spending Account), your FSA will be considered general-use which means you can use the account to pay for eligible medical, prescription drug, dental, and vision expenses.