Each year, the Sound Health & Wellness Trust will establish a LiveWell HRA fund for eligible plan participants who take the steps needed to earn their HRA funding. The funds in your HRA will be used to offset part of your medical plan deductible and potentially the cost of other eligible medical expenses throughout the year. This could include your doctor office visits, lab tests, or other eligible, covered medical expenses.

In order to receive HRA funding and avoid a higher deductible, you and your eligible spouse or same sex domestic partner (SSDP) must complete a variety of steps each year, including completing your Personal Health Assessment, updating your contact information, and selecting a primary care physician.

You will receive notification from the Trust regarding what you need to do each year and by when, to receive your HRA funding and avoid a higher deductible. If you do not complete the necessary steps each year, you will not receive full HRA funding, which means your deductible will be higher. The maximum annual HRA funding is $500 for employee only coverage and $1,000 for family coverage.

Learn More About the PHA

What kinds of medical expenses will my HRA cover? If you have enough funds in your HRA, the following are examples of what can be covered:

• Doctor office visits
• Lab tests
• X-rays
• Emergency room co-pays
• Coinsurance (SoundPlus Plan participants are eligible for in-and-out-of-network coinsurance benefits. Sound Health Plan participants only receive in-network coinsurance benefits).

Remember: In-network preventive care like wellness visits and mammograms are already covered in full, with no deductibles, coinsurance or co-pays, so your HRA will not be used for these types of services.

Earning your LiveWell HRA funding is simple.
If you (and your enrolled spouse or same sex domestic partner) complete all necessary steps in the time period specified, you will receive your full funding – the maximum annual HRA funding is $500 for employee only coverage and $1,000 for family coverage.

You do not need to submit any claims to use your LiveWell HRA. Everything will be handled behind-the-scenes on your behalf. Your online account will show your activity as well as your balance.

This year’s HRA funds can be used next year.
Unused funds in a calendar year are rolled over into the next year depending on how long you were eligible and as long as you maintain your benefit eligibility status.

Get more details:

• Frequently asked questions about the LiveWell HRA