Local 29 HRA PlanIn conjunction with Trust

Plan 6B

What is a Health Reimbursement Arrangement (HRA)? An employer funded account created with tax

free dollars, to pay for out-of-pocket health care expenses (defined by IRS code 213(d))

You receive tax free reimbursement for qualified expenses

THIS IS YOUR MONEY THAT YOU CONTROL AND MANAGE!

You are able to use this money now, or save it for retirement

How do I participate?

Plan is in conjunction with enrollment in Trust Plan 6B. The City will make all contributions to the HRA

Once you satisfy the eligibility requirements set forth by the City, your account will be established with the first contribution we receive

When an eligible expense is incurred, you can either use your debit card, submit a paper claim for tax free reimbursement or pay for the expense out of pocket to preserve your HRA funds

Expenses incurred prior to Jan. 1, 2010 will not be covered

Enrollment into the HRA Account You must be a participant of Trust Plan 6B The account is employer funded only You have complete control over the funds You can use the funds now to pay for out of

pocket medical expense or save it for retirement

Employees are automatically enrolled once we receive the first contribution

Contributions into YOUR HRA $1,875 per individual

$3,775 per family

If you are not employed January 1, you will be given a pro-rated amount

How the HRA Account worksCity of Spokane Credits you HRA Account

January 1

Incur ExpensesJanuary 1 through December 31

Grace Period to submit claim forms90 days after end of Plan Year

May 31

HRA Account Balance Rolled over to your VEBA Account

Order of Payment

1. Medical Plan

2. Flexible Spending Account (FSA)*

3. Health Reimbursement Arrangement (HRA)

4. VEBA

*If applicable

How do I get a debit card?

Must get a new card annually after January 1 of the new plan year

Go to www.myflexonline.com New user (set up account with username and password) Returning users must sign in Debit Card tab

Automatically routed here if new user Follow steps to order card max 2 cards first day After only 1 card per day after

For dependant kids in college etc. Card will arrive in about 10 days

How am I reimbursed? Use Debit Card

No initial out-of-pocket expense Roughly 80% of all claims require no further substantiation Keep all receipts in case paper substantiation is required DO NOT PAY FOR THE ENTIRE EXPENSE!!! Submit through

Medical Trust first!!-OR-

Submit paper claim to Rehn&Associates Must total and sign claim form Must provide proper substantiation for approval of claim Reimbursement made daily

Direct Deposit Check

Proper Substantiation to submit with a claim form Submit any one of the following

Explanation of Benefits (EOB) Provider bill Cash register receipt Pharmacy tag Itemized bill or receipt

Not Accepted for Substantiation Cancelled check or a copy of a check Credit/debit card statement Balance forward statement from provider

Rollover into current VEBA Account Remaining HRA balance at the end of each

plan year are automatically rolled over into your VEBA Account (after all claims have been paid)

Your VEBA Account will be credited with the remaining HRA balance around May 15th of the following year

VEBA Account available for use whenever you desire (intended for use in retirement)

Separation from employment

Applies only to rollover of account balance Must be employed at the City of Spokane at

the end of the Plan Year (December 31) to have balance rolled over into VEBA Account If you leave at any time during the year, you forfeit

the remaining balance in your HRA Account You still have access to funds currently in VEBA

Eligible Expenses (List not all inclusive)

Deductibles Co-pays Co-Insurance Office visits (after 1st four have been used) Prescriptions Over the Counter items

Cough drops, Nicotine gum or patches to stop smoking, motion sickness pills, Bandaids, reading glasses, first aid kit and many more

Glasses, contact lenses and solutions Laser Eye Surgery Major dental including Crowns and Bridges Orthodontia All other section 213(d) expense

Ineligible Expenses(List not all inclusive)

Non-medical expenses or expenses that are not medically necessary

Cosmetic treatments Vitamins, Minerals, Supplements Items already reimbursed by a Flexible

Spending Account (FSA)

Is my Spouse or Dependent(s) covered? Yes! Your Dependent(s) must qualify as a

dependent as defined by the IRS Must be able to claim as a dependent on your tax

return The expenses must qualify under the

guidelines of IRS Section 213(d)

How do I submit a paper claim? Send signed and totaled claim form to

Rehn&Associates: By E-Mail: flex@rehnonline.com

Must be able to scan signed claim form and substantiating material(s)

By Fax: (509) 535-7883 By Mail: PO BOX 5433, Spokane, WA 99205 Drop off in person: 1322 N. Post, Spokane, WA 99201

Web Site Information

www.ezflexplan.com/rehn Sign up for debit card Substantiate claim information Download Claim forms Claims history Check account balance Check recent transactions Useful information

How often will I receive a statement of account activity? Check account activity online ANYTIME

www.ezflexplan.com/rehn Statements mailed 60 days prior to end of

plan year Can call and request statements at any time

throughout the year If you receive a reimbursement check in the

mail, there is a “mini-statement” on the check stub

Main Points…

Use the MEDICAL TRUST FIRST! Keep all EOBs and receipts This is your money! Unused balance will be rolled into current

VEBA Account Recommended to only use your debit card

for co-pays on the spot