UHC insurance with HRA account - help explain

[u/FingersCrossed0612]

My husband’s company switched insurance mid year…. We now have United healthcare insurance and the employer has up sign up for and HRA to reimburse us up to $12,700 for medical, $1000 dental and $500 for vision.

We have a family plan.

This was in their email offer letter:

United Healthcare Co-Pay & Deductible Medical Insurance Plan for Employee and Family at No cost. We reimburse all in network co-pays, prescriptions and deductibles for the employee and family. Dental and Vision Insurance Plan for Employee & Family at no cost to employee Plus reimbursements of Dental expenses for Employee Only at $500, Employee & Family at $1,000 Reimbursements of Vison expenses for Employee Only at $250, Employee & Family at $500

I am so confused because their big thing was that everything is covered, from having a baby to brain surgery….?

Anyone help me decipher this please 🙏🏼

[u/AutoModerator]

Thank you for your submission, /u/FingersCrossed0612. Please read the following carefully to avoid post removal:

• If there is a medical emergency, please call 911 or go to your nearest hospital.

• Questions about what plan to choose? Please read through this post to understand your choices.

• If you haven't provided this information already, please edit your post to include your age, state, and estimated gross (pre-tax) income to help the community better serve you.

• If you have an EOB (explanation of benefits) available from your insurance website, have it handy as many answers can depend on what your insurance EOB states.

• Some common questions and answers can be found here.

• Reminder that solicitation/spamming is grounds for a permanent ban. Please report solicitation to the Mod team and let us know if you receive solicitation via PM.

• Be kind to one another!

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

[u/LizzieMac123]

You have a normal plan with a 10k family deductible. 12700 family out of pocket max- then further down, i beliebe its showing individual deductible of 5k and i assume it will show an individual out of pocket max too.

Think of this like a normal plan.

Your hudband's emplyer is also using an HRA- a health reimbursement account- and it looks like they cover up to the out of pocket max for medical.

Essentially, if you stay in network for everything, you wont pay a dime for care after you submit your reciepts. Anything you need- visit copays, meds, surgery, etc.

You also have money in the HRA for dental and viaion expenses.

The employer did it this way to keep costs low. They could have purchased a plan that had a lower/$0 deductible, low copays, low out of pocket max- but it would have been very expensive. So they bought the cheaper plan and will pay for all of your care- that way, they only pay for what is used instead of paying for the more expensive plan and risk people not actually using it.