Health Reimbursement Accounts
The Health Reimbursement Account (HRA) is an employer Board paid contribution that can be used to reimburse a portion of you 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. You are automatically enrolled in the plan if you elect medical coverage with the School District. You do not need to sign up for it. The HRA is 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 originally set up January 1, 2005, and continues 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.
Expenses eligible for reimbursement
- Medical expenses - 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-pays, co-insurance).
- Vision expenses - may also be reimbursed for limited vision expenses.
- Dental expenses - may also be reimbursed for limited dental 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. Funds are automatically loaded January 1st on your Take Care Flex Benefits card for the entire plan year. If you have single health insurance coverage, your Board paid contribution is $750 which is loaded onto your Take Care Flex Benefits card. If you select Employee + Spouse or Employee + Child(ren) coverage, your Board paid contribution is $1,100 and loaded onto your card. Family coverage receives $1,500 per calendar year loaded onto your Take Care Flex Benefits card. If you have a balance remaining in your current HRA account that amount will roll into your account January 1st of 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.
Questions and Concerns
If you have questions about covered expenses, please contact Risk Management.
If you have questions regarding your HRA Plan, please write or call:
Lockard & Williams Insurance Services, P.A.
P.O. Box 1028
Gonzalez, Florida 32560