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Healthy Blue PPO HRASM – account types

Flexibility is one of the key components of an HRA, and the Blues offer numerous HRA options to meet your specific needs and budget. Please note all HRAs are allocation-based. The entire allocation amount is available for reimbursement of any qualified medical services at the beginning of the plan year.


  • HRA limited-purpose account
    Covers dental only, vision only or both dental and vision. A limited-purpose HRA may be stacked with an FSA or HSA.
  • HRA post-deductible
    Covers services only after the PPO deductible is met.
  • HRA special purpose account
    Covers dental only, vision only or both dental and vision until the deductible is met, and then covers all services. A special purpose HRA may be stacked with an FSA or HSA.
  • HRA retirement only
    Accumulates HRA funds for use when the employee is eligible for retirement. This option can serve as a retirement benefit plan. You can allocate funds to the HRA or roll over from another HRA into this retirement-only HRA.

Stacked accounts

You can combine a limited-purpose HRA with an FSA or HSA to provide the benefits of both. Some considerations to keep in mind:

  • If the limited-purpose HRA is stacked with an FSA (which are both considered employer-owned), you can decided which has first access.
    • If the HRA features a yearly rollover, you can specify that the HRA pay first to reduce the amount of accumulation. However, having the FSA pay first is also possible, since unused FSA money does not carry over.
  • If a limited-purpose HRA is stacked with an HSA, the HRA pays first.
  • A single debit card provides access to funds in the stacked account.