Claims | Debit Card

Easy Access to Your HRA Money

Claims

When you're ready to file a claim, there are two ways you can do it.

  • Electronic. Log in online or from our mobile app, HRAgo®, click Claims, and follow the onscreen instructions.

  • Paper. Download and use our Claim Form, or request one from our Customer Care Center. The form contains instructions and our mailing address.

Be prepared to provide proper supporting documentation. IRS rules require us to verify every expense. For most expenses, supporting documentation must include these five things:

  1. Patient name (you, your spouse, or dependent);

  2. Date you received the medical care or purchased a qualified healthcare item;

  3. Service provider name (doctor, pharmacy, clinic, or hospital);

  4. Description of the service or item; and

  5. Amount you paid or owe out of pocket.

Standard claims processing takes five to seven business days. Payment is issued by direct deposit (if set up) or paper check. To set up direct deposit, log in and click My Profile.

Automatic Premium Reimbursement

Are you retired? To set up an automatic premium reimbursement, log in online or from our mobile app, HRAgo®, click Claims, then click Set Up an Automatic Premium Reimbursement and follow the onscreen instructions.

Supporting documentation must include the name of the policyholder or covered individual(s), premium amount, policy period, and insurance provider name. You can usually find all of this information on your premium billing notice, statement of insurance, open enrollment notice, or pension benefit direct deposit stub.

If you’d rather use a paper form, download and use our Automatic Premium Reimbursement form.

Debit Card

Your HRA comes with a free OneBridge Visa® Benefits Card (debit card). Just swipe your card to make qualified healthcare purchases or payments directly from your HRA. If you have an FSA or HSA on our platform, your card will automatically draw from the most appropriate account—usually in this order: FSA > HRA > HSA.

You can request additional cards for family members who may use your HRA. There are no card fees.

Your debit card will work only at healthcare facilities or retailers with a health-related merchant category code. Several common examples are listed below.

  • Medical offices (doctor, dentist, orthodontist, optometrists, chiropractors, specialists)

  • Pharmacies and drug stores (CVS, Walgreens, Rite Aid, local pharmacies)

  • Online retailers (HSAstore.com , Amazon.com, Walmart.com)

  • Healthcare facilities (hospitals, urgent care clinics, labs)

Always request and save proper supporting documentation from your provider or merchant in case we need copies. IRS rules require us to verify that every debit card payment is for a qualified healthcare expense. If we need additional documentation, we'll let you know right away by mail, email, or through our mobile app, HRAgo®. A copy of the Explanation of Benefits (EOB) from your insurance company, a detailed invoice from your healthcare provider, or an itemized receipt from your pharmacy or other healthcare merchant usually has everything we’ll need.

For more details, read our Debit Card FAQ.

The OneBridge Visa® Benefits Card is issued by The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used for qualified expenses wherever Visa debit cards are accepted. See Cardholder Agreement for details.