What you need to know
The Total Health PPO Plan is paired with a health reimbursement account (HRA) to help you pay for eligible medical, prescription drug, dental, and vision expenses — including your deductible and your share of coinsurance.
How the HRA Works
When you enroll in the Total Health PPO 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 tax-free HRA funding by completing your health assessment, Health Action Plan, and Virgin Pulse activities. You cannot contribute to your HRA; only Sandia can. See Incentives for Healthy Activities for details about your HRA incentive opportunity. Sandia will deposit the incentives you earn in the previous plan year into your HRA in January of the new plan year.
If you leave Sandia, you cannot take your HRA funds with you (unless you’re a qualified retiree under age 65 or you decide to continue your coverage through COBRA). And if you waive Sandia medical coverage, or you switch to the Health Savings Plan during an enrollment period, you’ll forfeit your HRA funds.
How It’s Funded
As you complete healthy activities — including your health assessment, a Health Action Plan, and other activities that build your Virgin Pulse points — you earn money for your HRA. You can earn up to:
- $500 — Employee only
- $750 — Employee + child(ren)
- $1,000 — Employee + spouse
- $1,250 — Employee + spouse and child(ren)
Reminder: You (and your covered spouse) can each earn $100 for completing your health assessment, up to $300 for Virgin Pulse activities, and $100 for completing a Health Action Plan. Check your progress through the Virgin Pulse portal.
Using Your HRA
Sandia works with the following vendors to manage your HRA:
- Blue Cross Blue Shield of New Mexico (BCBSNM) and UnitedHealthcare (UHC) participants — Inspira Financial (formerly PayFlex) administers your account
- Kaiser Permanente participants — Kaiser administers your account
You’ll register your account with your HRA administrator, and you can check your available HRA earnings and balance anytime. If a balance remains at year-end, your funds carry over for use in the next year, up to the maximum allowed.
The maximum allowed balance is based on your plan coverage level (such as employee only or employee + spouse and child(ren)). Once you reach this maximum, you need to reduce the available funds to a level less than what you expect to earn for the next year.
Who do I contact if I have questions concerning my HRA?
HR Solutions 505-284-4700
Contacts and Resources
Go to the Get to Know Our Benefit Providers page for details.
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