Health Reimbursement Account (HRA)

Woman Smiling Using Laptop Interior Office

If you enroll in the PPO Plan with HRA, T-Mobile provides a Health Reimbursement Account (HRA) to help pay for eligible healthcare expenses.

The HRA is funded entirely by T-Mobile and can be used toward eligible medical and prescription drug expenses. Many services under the PPO Plan require only a copay, and HRA funds can help cover other eligible out-of-pocket costs.

T-Mobile Helps You Save

When you enroll in the PPO Plan with HRA, T-Mobile contributes money to your HRA to help offset healthcare expenses.

Coverage Tier T-Mobile Contribution
Employee Only $500
Employee + Dependents $1,000
For coverage effective January 1, your full HRA funding is available at the start of the plan year. For coverage beginning later in the year, contributions are prorated.

How the HRA Works

You can use HRA funds to help pay for eligible medical expenses, including:

  • Deductibles
  • Coinsurance
  • Copays
  • Prescription drug expenses
  • Other eligible medical expenses

Once the funds in your HRA have been used, you are responsible for any remaining out-of-pocket costs under the plan. Note: HRA funds cannot be used for dental or vision expenses.

What to Know Before You Enroll

  • The HRA is funded entirely by T-Mobile
  • Employees cannot contribute to the HRA
  • You may enroll in a Health Care FSA while participating in the HRA Plan
  • The PPO Plan with HRA provides both in-network and out-of-network coverage
  • You'll generally pay less when you use in-network providers

HRA Funds Roll Over

Unused HRA funds automatically carry over from year to year as long as you remain enrolled in the PPO Plan with HRA.

  • No action is required to carry over funds
  • Up to $6,000 in employer contributions can accumulate in your account
  • Carryover funds are added automatically each year

Important Differences Between an HRA and HSA

HRA HSA
Funded only by T-Mobile Funded by you and T-Mobile
Employees cannot contribute Employees can contribute
Available only with the PPO Plan with HRA Available only with the HDHP with HSA
No impact on taxable income Employee contributions can lower your taxable income
Funds generally remain with the plan if coverage ends Funds belong to you and remain yours if you change jobs or retire

Carrier Contact Info

Surest Logo
(866) 358-2300
premera.com/t-mobile
Group #4022154
Hours: M-F 5 a.m. – 8 p.m. PST

Surest Logo
(877) 259-1527
myuhc.com
Group #222244
Hours: M-F 8 a.m. – 8 p.m. PST

Learn how to use your Health Savings Account and Health Reimbursement Account to stretch your dollars.