What you need to know
How about some tax-free money to help pay your healthcare expenses? When you enroll in a Sandia Total Health medical plan, Sandia sets up an HRA for you to use to help pay for medical, prescription drug, dental, vision, and other eligible healthcare expenses – like your deductible and your share of coinsurance.
You earn HRA funding by completing your health assessment and participating in a variety of Sandia-sponsored healthy activities.
Your HRA comes with a debit card, which makes it easy to pay for eligible healthcare expenses at the point of service.
HRA Funding and Incentives
You need to take action if you want to receive contributions to your HRA and get the maximum funding each year.
| Your Coverage Level | Your Annual HRA Funding Potential |
|---|---|
| Employee only | $500 |
| Employee + child(ren) | $750 |
| Employee + spouse | $1,000 |
| Employee + spouse and child(ren) | $1,250 |
To get the maximum funding, you need to:
- Complete your health assessment (your spouse, too, if enrolled in Sandia’s medical plan). Deadline is Oct. 31 to receive funding for the next calendar year.
- Participate in Virgin Pulse activities (your spouse, too, if enrolled in Sandia’s medical plan). Quarterly deadlines to earn points to receive funding for next calendar year: March 30, June 30, Sept. 30, and Dec. 31.
- Complete a Health Action Plan. Deadline to enroll is Sept. 30 to receive funding for the next calendar year.
Each activity provides a specific contribution value for your HRA. Check HR Solutions for the annual HRA funding schedule.
Using Your HRA Funds
Sandia works with our medical plan vendors to administer your HRA; check out the details through HR Solutions:
- BCBSNM plan participants (BCBSNM manages your account with ConnectYourCare)
- UnitedHealthcare plan participants
- Kaiser Permanente plan participants
You earn HRA funds for completing the activities noted above.
You can use your funds after they have been credited to your account:
- HRA funds you earn by Nov. 30 are available in your account starting the following Jan. 1.
- HRA funds you earn by Dec. 31 are available in your account starting the following Feb. 1.
Check your available HRA earnings and balance anytime through your HRA administrator.
If a balance remains at year-end, your funds carry over for use in the next year.
A maximum allowed balance applies for the HRA. It’s based on your plan coverage level (employee only, employee + spouse, etc.). Once you hit this maximum, you need to use your HRA funds to make room for earning more.
If you leave Sandia, you cannot take your HRA funds with you (unless you are a qualified retiree before age 65 or you decide to continue your coverage through COBRA).
Also, if you waive Sandia medical coverage at any point while employed with us, you forfeit your HRA funds.
Contacts and Resources
Report HRA Issues
505-284-4700, option 2
BCBSNM: ConnectYourCare
866-808-1444 (available 24/7)
www.connectyourcare.com
BCBSNM Apps
UnitedHealthcare
877-835-9855
www.myuhc.com
Kaiser Permanente
800-663-1771
www.healthy.kaiserpermanente.org
Virgin Pulse
866-852-6898, 8 a.m. to 9 p.m. ET, Monday through Friday
support@virginpulse.com
Virgin Pulse Apps
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Quick Tip
Even though your medical plan vendor provides tools and resources for managing your HRA, be sure to keep your receipts for expenses reimbursed through your account. The IRS or your plan administrator may ask you to provide backup receipts at some point!