Only team members who are enrolled in the Plus plan AND who get a preventive care exam during the benefit year are eligible to have credits deposited into an HRA. (Some team members may have HRA credits remaining from prior years’ programs.) You can use these credits to pay for eligible health care expenses now for yourself and your eligible dependents.
American will make a one-time contribution of $500 in credits to your HRA each year and $1,000 to an RHRA each year, provided you are enrolled in the Plus plan AND receive a preventive medical exam. Only American can contribute credits to your account.
Funds roll over from year to year, and there is no limit. Any remaining credits at your retirement — as long as you’re 65-point plan eligible — roll over into your RHRA. (To be considered 65-point eligible at American, your age plus a minimum of 10 years of credited service at American must add up to 65.)
HOW DO I USE MY HRA?
Once credits are deposited into your account, you will receive an Alight Smart-Choice Accounts debit card, if you don’t already have one, which you can use to pay for eligible medical expenses. You can submit manual claims, check your balance and manage your account on the Benefits Service Center. You can also file claims using the Smart-Choice mobile app, available for download from the Apple App Store or from Google Play.
WHAT ELSE SHOULD I KNOW?
You can use your HRA credits to pay for eligible medical expenses as long as you are enrolled in the Standard, Plus, High Cost Coverage, DFW ConnectedCare, PPO 80 or PPO 90 medical option. If you’re enrolled in Core, you can still use your HRA, but only for dental and vision expenses until you go back to one of the above-mentioned plans.
Some expenses will require additional documentation to be submitted through the Benefits Service Center, so be sure to hang on to all of your receipts.
Should you leave American, you will only be able to receive reimbursement for claims incurred up to your last day of employment, unless you continue coverage under COBRA or retire under American’s 65-point plan.