Health Reimbursement Account (HRA)

What is the difference between an HRA and HSA?

An HRA is a fund, established by Bloomin’ Brands, in which money you earn by completing health rewards is deposited by Bloomin’ Brands. You cannot contribute your own money, and you do not own the account so you cannot take unused money with you if you are no longer enrolled in a HRA medical option or leave Bloomin’ Brands.

An HSA is a type of bank account, opened by you, in which money you contribute plus money you earn by completing health rewards is deposited by Bloomin’ Brands. Once you have a certain amount of money in your account, you have the option to invest those funds. You always own the account, and the money is yours.

What is a Health Reimbursement Account (HRA)?

A fund that only Bloomin’ Brands can contribute to on your behalf if you are enrolled in either the Choice or Value HRA medical option. This fund is opened on your behalf when you enroll in one of the HRA medical options.

Can I contribute my own money to the Health Reimbursement Account (HRA)?

Only Bloomin’ Brands can contribute to the HRA. You, and your enrolled spouse, can earn these contributions (also called Health Rewards) by completing activities with Rally.

Will I lose the money in my Health Reimbursement Account (HRA) if I don’t use it during the year?

No, that money rolls over from year to year, if you do not use it to pay for eligible health care expenses and remain enrolled in an HRA medical option.

Will I lose the money in my Health Reimbursement Account (HRA) if I change to a Health Savings Account (HSA) medical option, drop my medical coverage entirely, or stop working for Bloomin’ Brands?

Yes, you will lose the money in your HRA if you

  • change from an HRA to an HSA medical plan option,
  • drop medical coverage entirely, or
  • stop working for Bloomin’ Brands.

What is the 90-day “runout” period for my Health Reimbursement Account (HRA)?

After the end of each plan year (Dec. 31), the first 90 days of the new plan year, beginning January 1, are a runout period. This means that you may continue to submit and get reimbursed for eligible claims incurred in the prior year during those 90 days only. For example, if you incur an eligible claim on Nov. 1, 2021 but it is not finished processing until January 2022, you may submit that claim for reimbursement from your Optum HRA before the end of March 2022.

How do I access information about my Health Reimbursement Account (HRA)?

To access information about your 2021 HRA account with Optum Bank, visit www.optumbank.com.

To open and access your 2022 HRA account with AccrueHealth, visit member.accrue-health.com/. You will need your AccrueHealth debit card to create a new account.