Alcoa: Choices: Employee Health Care: Using Your Benefits: Medical: HRA & FSA Participants: Tips on Using Your Spending Account

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		Using Your Benefits

Medical

	The Basics: What Do You Pay For and When?

	What Happens When You Need Medical Care?

	What's Covered in Each Category?

	Understanding Your Explanation of Benefits

	Using Your Account (HRA, HSA, and FSA)

	Managing Your Medical Condition

	Coordinating Your Medical Coverage with Other Coverage

	HRA & FSA Participants: Tips on Using Your Spending Account

Flexible Spending Accounts

Prescription Drug

Dental

Vision

HRA Participants: Tips for Using Your Spending Account™

If you're enrolled in the HRA (health reimbursement arrangement) you can use Your Spending Account™ to pay for out-of-pocket expenses.

For success in using Your Spending Account™:

Save your receipts. If you can't provide them upon request, your claim will be denied.
Important: Don't pay your coinsurance amount when you receive services from a provider. Wait until after your provider submits the claim to your medical claims administrator and then bills you. Your coinsurance amount is calculated based upon Alcoa's discounted network rate—if you pay before that claim is processed, you'll pay too much!

Tips for using Your Spending Account™ card:

Although Your Spending Account™ card says "debit" on the front, you must choose "credit" when you swipe your card. This will require your signature. If you choose the "debit" option, your transaction will not be processed.
Use Your Spending Account™ card when paying for prescriptions through the mail-order service or at a retail pharmacy. Your prescription drug coinsurance amount is already programmed into their computer systems.

Remember: You do not have to use Your Spending Account™ card to take advantage of your HRA.

If you don't want to use the card, simply save your receipts for eligible health care expenses and submit claim forms for reimbursement.