Medicare Eligible Employees

Medicare eligible employees can also be eligible for an HRA plan, despite the fact that insurance works differently when an employee is Medicare eligible. The standard plans offered in the individual health insurance market are not available to people who are Medicare eligible. However, they can purchase Medicare Advantage, Medigap, and Medicare Part D plans in the private market. The premiums for these plans are HRA reimbursable expenses. In addition, employees can use their HRA dollars to be reimbursed for Medicare parts A and B.

The HRA reimbursement process works differently for employees on private and public Medicare plans than it does for non-Medicare eligible employees with individual insurance. People who choose Medicare Advantage, Medigap, and Medicare Part D plans have premium bills sent to their homes which they can then submit to Array for reimbursement. Employees with Medicare Parts A and B can submit their quarterly statements to Array for reimbursement.