Members of the State Employee Health Benefit are likely familiar with the Combined Services FSA/HRA debit card. This single card can contain funds from three sources: a flexible spending account (FSA, paid for by you through payroll deductions), and two health reimbursement accounts (HRA, paid by your employer) for your completion of certain activities, including Anthem’s Health Assessment Tool (HAT), Anthem’s Health Rewards. It’s important to note that these funds are disbursed in a set order, and you cannot specify the order in which funds are disbursed.
Your debit card funds are disbursed in this order: 1. HAT, 2. FSA, 3. Health Rewards. Here’s a bit more about each of those:
- HAT – Once you complete the HAT on Anthem’s website, $200 will be placed on your Combined Services debit card as an HRA deposit. This will occur within two weeks of completion of the HAT, between Jan. 1 and Dec. 31. These funds will be used first, and can be used for expenses incurred on or before Dec. 31, but only after the effective date of your HAT. (Note for those with an FSA: For claims filed early in the year, FSA funds will be used first if HAT money has not yet been credited to the card.)
- FSA – The flexible spending account is an elective, pre-tax contribution set up through your workplace. The amount of funds you select for the year will be placed on your Combined Services debit card as an FSA deposit. These funds will be available Jan. 1, and can be used for expenses incurred before March 15 of the following year. FSA funds are used second, unless you have not taken the HAT, or the HAT money has not yet been credited to your card.
- Health Rewards – You can earn $100 each for completing three of the six available healthy activities ($300 maximum). These funds will be placed on your Combined Services debit card as an HRA deposit within two weeks of your activity being submitted, between Jan. 1 and Dec. 31. These HRA funds are used third, after the HAT and FSA are exhausted. Unlike the first two, however, any unused funds roll over to 2015, meaning they can be used for any expenses incurred on or before Dec. 31, 2015. (Please note: like the HAT, Health Rewards funds have an effective date; retroactive reimbursement for medical expenses incurred before the effective date of the funds is not allowed).
Do you have other health benefit questions? Send them to Chris Porter at firstname.lastname@example.org and put “Ask Chris” in the subject line. Chris is our Compensation and Benefit Research Specialist who will advocate for members experiencing challenges with their contracted medical benefits. We’ll post answers to commonly posed questions in this column.