Health Reimbursement Arrangement (HRA)

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 Plan participants only receive in-network coinsurance benefits).

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

The HRA gives participants extra funds to provide first dollar coverage for the majority of their medical care expenses. This can include your doctor office visits, lab tests, or other eligible, covered medical expenses. You don’t have to pay your deductible until you have exhausted your HRA funds, which can potentially offset your costs incurred throughout the year. When you receive medical services, the bill will be submitted to the Trust, then any HRA eligible expenses will go directly to your HRA for automatic payment—with no claim forms, bills or hassles for you. Also, any unused funds roll over to the next year, as long as you remain eligible on the plan.

You can check your HRA account online any time to track your activity, and check your balance.

To receive HRA funding you and your eligible spouse must complete a variety of health related actions each year, beginning with taking your Health Profile. As part of the Health Profile, you will need to choose or confirm your primary care physician and update your contact information with the Trust.

If you and your eligible spouse do not complete your annual Health Profile, you will not receive HRA funding for any of the health related actions that you completed throughout the year.

You can download the checklist in English or Spanish or view a list of approved actions below.

You and your eligible spouse must complete your Health Profile by December 31, 2026 to receive HRA funding for 2027. You can now complete your Health Profile anytime throughout the year. Click here to take your Health Profile today.

If you and your eligible spouse (18 years of age or older) complete all of the necessary actions each year, and are HRA eligible, you will receive HRA funding up to $500 for employee-only coverage, and up to $1,000 for family coverage, and avoid a higher deductible in the coming year.

All actions must be completed between Jan. 1, 2026 and Dec. 31, 2026. You must be HRA eligible when you complete the action for it to count towards your 2027 HRA funding.

The first health related action you complete from this list is worth $300. Additional actions are worth $100

PREVENT ILLNESS

	Have Well-adult annual physical. (Physicals and other doctor visits performed for medical conditions are not included.)
	Get a covered flu shot.

TAKE CARE OF YOUR TEETH

Get two dental preventive exams over a 15-month period. Note: newly eligible participants will only have to get one visit to receive funding.

The following health related actions are worth $100

PREVENT ILLNESS

	Have a preventative mammogram, pap smear, or prostate exam or a preventative colon cancer screening
	Have one of the following covered immunizations (as determined by the CDC recommendations): Tetanus, diphtheria, pertussis (Td/Tdap); Varicella (Chickenpox); HPV vaccine; Zoster (Shingles); Measles, mumps, rubella (MMR); Pneumococcal; Meningococcal; Hepatitis A & B.
	Have your blood pressure, cholesterol, blood glucose & BMI (height/weight) checked by your physician or pharmacy. You will need to complete and sign a Trust provided form.
	Get both doses (if applicable) of an FDA approved COVID-19 vaccine or booster

MAKE HEALTHY CHOICES

	Actively participate in one of the following programs: Wondr Health™; Weight Watchers®; Jenny Craig®; NutriSystem®; 3010 Weight Loss for Life®; or 20/20 Lifestyles®. Wondr Health™ – complete 9 of the 10 weekly video sessions. For all other programs – for participating for three consecutive months, you can earn $100. Or, by actively participating for six consecutive months, you can earn $200. Attendance documentation is required through a form provided by the Trust. (Membership or program fees are not paid for by the Trust.)
	Enroll in Quit For Life® and complete five calls with your coach.
	Participate in Trust-sponsored LiveWell Fit events (limit four events per calendar year). You will need to complete and sign a Trust provided form.
	If you go to the gym 20 or more times within a consecutive 3-month period, you can earn $100. If you complete another 20 or more visits within a separate additional consecutive 3-month period, earn another $100 for a total of $200. Participation documentation is required through a form provided by the Trust. Gym membership fees are not paid for by the Trust.
	Wear your fitness or activity tracker and complete 10,000 steps per day or 5 miles of running/walking for 30 or more days within a consecutive 3-month period, you can earn $100. If you complete another 10,000 steps per day or 5 miles of running/walking for 30 or more days within a separate additional consecutive 3-month period, earn another $100 – for a total of $200. Internet-based system documentation is required through a form provided by the Trust.

GET INVOLVED

Join the Wellness Volunteer Network and complete an orientation or annual touch base meeting with your regional Wellness Coordinator, and complete two engagement activities or LiveWell Fit Empowerment Events to earn $100.

* To receive 2027 HRA funding you must be HRA eligible on Jan. 1, 2027. For a health related action or the Health Profile to be counted, you must be covered by the Sound Health & Wellness Trust when the health related action or Health Profile is completed. Maximum funding to be earned is $500 for employee-only coverage or $1,000 for family coverage per year.

** Subject to limitations stated in your Summary Plan Description booklet.

Yes. Unused funds in a calendar year are rolled over into the next year as long as you maintain your benefit eligibility status.