HRA Reimbursements: Resources & Information
Letter, Guide & Summary
HRA Welcome Letter
HRA Brochure Guide
HRA Quick Reference Guide
HRA Quick Reference Guide
HRA Summary Plan
HRA Eligible Expenses
HRA Eligible Expenses
Online Access to the HRA
As you are accessing your HRA online, there are a few important pieces of information that you need to be aware of. If you are a retiree with an eligible dependent spouse, only the retiree will have access to the HRA account since they are considered the account holder. The covered spouse and/or dependent will only be able to access and manage the HRA account through the retiree’s account even if that retiree is under 65 and covered under the USG health plan. The under 65 retiree does have an account through Aon Retiree Health Exchange for this purpose. The under 65 retiree would need to activate his/her account on-line using the account number included on the Appointment letter mailed in September. If you need this number, please contact the Aon Retiree Health Exchange at 1-866-212-5052.
There are instances where both the retiree and their spouse are retirees of USG. This is what we consider “company couples”. If both the retiree and the retiree spouse are both retirees of USG and previously had separate healthcare coverage with USG before moving to the exchange, they would each have separate HRA accounts with Aon. Furthermore, they would each have separate logons to access their HRA online. If a company couple has decided to become a dependent under the other retiree’s healthcare plan access to the HRA would be through the retirees account and not the dependents account.
In the event of the retiree’s death, the spouse will become the HRA account holder. The HRA will be transferred to the surviving spouses account and the surviving spouse will be able to access and manage the HRA from their on-line account through “Manage My University System of Georgia Account” as long as they have activated their account. If a retiree does not use or have access to a computer the retiree can call Aon Retiree Health Exchange for assistance.
How to Get Expenses Reimbursed
To receive reimbursement for eligible health care premiums (copays, coinsurance, etc.), you can submit the request in two ways:
Option 1: Auto-reimbursement
The first premium reimbursement could take up to 60 days; as soon as the carrier has notified Aon that the retiree has paid his/her premium, Aon will cut a check and mail it to the retiree; no other documentation or action is needed.
Option 2: Filing a Form for Reimbursement
In order to expedite the reimbursement process, you may request reimbursement for eligible expenses by completing and filing the Your Spending Account Claim Form in two ways:
Paper Form: Complete the paper version Your Spending Account Claim Form included in the HRA Welcome Kit and return to Aon.
Online Form: Complete the online version of the Your Spending Account Claim Form by completing the following steps: log into your account on the Aon website at www.retiree.aon.com/usg; click on the ‘HRA’ tab which will then display a Manage My Account button which will direct the retiree to their account information with Aon’s Your Spending Account; from the Account Summary Page, choose ‘Get Reimbursed’; Complete the information on-line; Documentation of proof of payment is required – retiree can upload the documentation or fax or mail to Aon; within 3-5 days of submitting all of the required information, Aon will cut a check and mail it to the retiree.
Screen shots of website on how to access the Your Spending Account webpage after logging into your account at: www.retiree.aon.com/usg
You can receive premium reimbursements in two ways:
Option 1: Paper Check
All retirees will receive a paper check for their premium reimbursement unless they set up direct deposit (regardless of whether they completed the Premium Auto Reimbursement form or signed up for direct debit for their premium payment).
Option 2: Direct Deposit
To set up direct deposit, you have two options:
Online through the website: www.retiree.aon.com/usg; choose the ‘HRA’ tab which will then display a Manage My Account button which will direct the retiree to their account information with Aon’s Your Spending Account; choose ‘Edit Your Profile’; enter banking information; direct deposit will be set up for the next reimbursement.
Call Aon at 1-866-212-5052 and provide banking information over the phone.
Requesting Reimbursement for Other Eligible Expenses
To receive reimbursement for other eligible health care expenses (copays, coinsurance, etc.), you can submit the request in two ways:
Option 1: Online Form
Log into your account at www.retiree.aon.com/usg, choose the ‘HRA’ tab which then display a Manage My Account button which will direct the retiree to their account information with Aon’s Your Spending Account; from the Account Summary page, choose ‘Get Reimbursed’; complete the information on-line and submit documentation to be reimbursed.
Option 2: Paper Form
The paper form must be requested from the Benefits Advisor; this was not included in the HRA Welcome Packet; complete the form and fax or mail to Aon along with supporting documentation.
Providing Supporting Documentation
To get reimbursed for your claims as quickly as possible, you need to send your itemized receipts or other documentation. Your plan requires that you provide receipts or other documentation to prove that expenses are eligible under the plan.
What Your Itemized Premium Receipts Should Include
For premium reimbursement, you must provide proper documentation so your claim can be approved. Such documents include:
1. Itemized Receipts
All receipts must include the following:
- Date the service was rendered
- Name of provider or merchant
- Detailed description of service
- Amount paid or your responsibility after insurance
2. Proof of Premium Type
Typically just once a year-when you submit your first claim for the year, for example-you’ll need to provide documentation showing which type of insurance premium you’re requesting reimbursement for (e.g., medical, prescription drug, dental, vision). This is in addition to YSA’s other submission requirements. The following documents are generally considered acceptable forms of proof:
- Confirmation of Enrollment (COE)
- Premium statement
- Confirmation of Coverage
- Explanation of Benefits (EOB)
- Copy of Insurance ID Card
- Pension Statements
Please note, no hand-written explanations regarding your premium will be accepted.
You are required to provide one of the following:
- A Medicare statement indicating how much you’re paying for Part B each month.
- A Social Security Administration letter indicating the annual percentage increase and the new Medicare rates.
Other Documentation for Health Care Expenses
If you are eligible to receive reimbursement of out of pocket health care expenses you must submit your claim form and itemized receipts containing the service providers name, date of service, description of the service, who the service was for and the out of pocket amount you are claiming for reimbursement. Explanation of Benefits (EOBs) from your insurance carrier are also acceptable forms of supporting documentation for out of pocket expenses.
Aon Retiree Health Exchange Contact Information
Phone number: 1-866-212-5052
Fax Number: 1-888-211-9900
Mailing Address: Your Spending Account, P.O. Box 64030, The Woodlands, TX 77387-4030