Learn About:

Health Reimbursement Account Plan (HRA)

The HRA Plan can help you pay for certain medically-related expenses that may not be covered under other medical plans. Each participant has a separate account that consists of contributions made by your employer. You are not allowed to contribute to the Plan.

Plan Overview

This information provides the highlights of the HRA Plan. Complete details are available in the Summary Plan Description (PDF, 201K).

Eligibility and Participation

You are eligible as soon as your employer contributes. If you work for a participating employer, you are eligible as soon as an employer has made contributions to the Plan on your behalf. These contributions begin as of the date specified in your collective bargaining agreement, or your first day of work in covered employment.

Employer Contributions and Your Account

Employers are obligated to contribute to the Plan on behalf of each eligible member. The limit of contributions made on your behalf depends on your collective bargaining agreement. If your account balance, which is typically $5,000, equals or exceeds that limit on any determination date, you will not receive additional employer contributions to your account until you are paid benefits that are sufficient to reduce your balance below that maximum limit.

All contributions are held in the Health Reimbursement Fund of the Electrical Industry, a tax-exempt trust created for the purpose of providing benefits to covered participants. Once employer contributions begin, the Plan Administrator establishes an account in your name, consisting of employer contributions on your behalf and a pro rata share of the Fund’s investment earnings.

Covered Medical Care Expenses

Some reimbursable Medical Care Expenses under the Plan include:

  • Co-pays, coinsurance and deductibles, as well as premiums paid for COBRA, Medicare Part B and long-term care
  • Expenses that exceed medical, hospital, dental or vision plan limits
  • Chiropractic visits that exceed medical plan limits
  • Certain over-the-counter medications or products
  • Eye exams, glasses and contact lenses
  • Hearing aids
  • Laser eye surgery
  • Physical exams
  • Prescription drugs
  • Psychotherapy
  • Speech therapy
  • Wheelchairs

Medical Care Expenses also include certain non-prescription drugs that are used to treat a specific condition. For a list of these drugs, as well as more reimbursable medical expenses, see the Summary Plan Description (PDF, 340K).

Ineligible Medical Expenses

The following is a partial list of expenses that are not considered Medical Care Expenses and are non-reimbursable:

  • Cosmetic services
  • Expenses you claim on your income tax return
  • Fees for exercise, health clubs and weight loss programs unless medically necessary
  • Hair transplants
  • Illegal treatments, operations or drugs

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Plan Information
 

Plan Name

HRA Plan of the Electrical Industry

Plan Identification Number

56-2489386

Plan Number

513

Plan Year

January 1 through December 31

Type of Plan

This Plan is an employee welfare benefit plan and a health reimbursement arrangement as described in IRS Notice 2002-65. Your benefits are based upon the amount of money in your account, which consists of contributions made by your employer.

Plan Administrator

Joint Industry Board of the Electrical Industry

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