Next, you and the plan share the costs.
After you pay the deductible, the plan will share in the cost of eligible health care expenses, called coinsurance. For example, if the plan pays 80% of the cost, you will pay the remaining 20%.
Preventive care services are covered 100% in the network throughout the plan year and do not affect your HRA.
When you incur eligible healthcare expenses, you can choose to use your HRA or you can choose to pay another way (i.e., cash, credit card). If you spend all of the funds in the HRA, you will need to pay the costs of your healthcare expenses.