Health Reimbursement Account

When you enroll in the High Deductible Health Plan (HDHP), MFP contributes to a Health Reimbursement Account (HRA) that you can use to pay for eligible health care expenses. Unlike other health care accounts, only your employer can put money in an HRA. Each time you visit the doctor or receive health care services, you can use tax-free funds in your HRA to pay for eligible medical expenses, such as prescription drugs and copays.

Benefits of an HRA

To help you pay for your annual deductible, MFP contributes up to $750 (individual) and $1,500 (family) toward the HRA. Contributions are effective for a full 12 month plan year, however the total contribution amount may be prorated. If you don’t use all the money in your HRA, it will roll over to the next year. Any remaining funds can help reduce your out-of-pocket expenses in the next plan year.

Contributions

Only your employer can put money into your HRA. MFP will automatically contribute to your HRA annually. Company contributions will be added and accrue over the course of the year. In 2025, MFP will deposit up to $750 annually for individual coverage and up to $1,500 annually for family coverage.

Reimbursement

For Blue Shield, you will receive a Blue Shield debit card. You will not need to present your debit card as Blue Shield will pull from the HRA funds first for any doctor’s visit. You will also get a Health Equity debit card that can be used at the pharmacy to pay for prescriptions if you wish to use HRA funds to pay for your prescriptions. You can also submit claims online through your registered portal at blueshieldca.com.

For Kaiser, your HRA automatically pays for most services. For services you may need to pay out of pocket for, you can file a claim for reimbursement from your HRA. You can sign onto the Health Payment Online Portal at kp.org/healthpayment using your userID and Password or use your mobile app to request reimbursement.

Important:

Once you use all the funds in your HRA, you are responsible for meeting the deductible before the plan begins to pay benefits.
A maximum of your annual deductible of unused HRA funds can carry over at the end of each plan year. You cannot take the money with you if you leave your job.
Unused funds are only carried over into the following plan year if you continue your enrollment in the HDHP.
You have an option to contribute to a Health Care FSA to set aside your own pre-tax money in addition to the HRA funds you receive.