Do not use your FSA and HRA for the same expenses. • You can’t use FSA dollars to pay for medical costs that will be reimbursed by Garner. • Since they are both tax advantaged benefits, the IRS considers this “double dipping”. To avoid double dipping, use FSA funds on services not covered by the Garner HRA such as over the counter medication, hygiene products and dental/vision needs. 14 Garner Top Provider Network/Health Reimbursement Account Program If you enroll in the Premier EPO, Choice HSA or Value Copay medical plan, you are eligible to earn a FREE annual Health Reimbursement Account (HRA) incentive. The incentive is “use it or lose it” and is designed to help steer you to high quality providers when you seek care. When you add a Garner Top Provider to your care team on the Garner App prior to your Garner provider visit, you will earn reimbursement dollars to help cover expenses such as your annual deductible, copays and co-insurance. Here’s How Garner Works Garner pays your out-of-pocket expenses when you see a Top Provider. 1 Use Garner to find a Top Provider 2 See the Top Provider 3 Get reimbursed for eligible out-of-pocket costs Get Started with Garner Garner pays your out-of-pocket costs when you see a Top Provider. 1 Download the Garner Health app from the App Store or Google Play or scan the QR Code. 2 Go to getgarner.com/start. 3 Create an account with Garner and search for Top Providers. For organization name, use ENSIGN. 4 Garner will reimburse your out-of-pocket costs for services provided or ordered by a Top Provider. Questions? Contact a Garner Concierge for help via the Garner Health app or website or by calling 866-761-9586. Annual Health Reimbursement Account (HRA) Incentive Plan Plan Deductible Annual HRA Incentive Maximum Premier EPO $1,000 Emp Only $2,000 Family $1,000 Emp Only $2,000 Family Choice HSA $2,000 Emp Only* $4,000 Family* $1,000 Emp Only $2,000 Family Value Copay $5,000 Emp Only $10,000 Family $1,000 Emp Only $2,000 Family * If you are enrolled in the Choice HSA, IRS provisions require that you must meet $1,650 of your employee only deductible or $3,300 of your family deductible before qualifying out-of-pocket costs from services by Top Providers can be reimbursed through the HRA.
RkJQdWJsaXNoZXIy NzQzMzY=