Benefits Selection Guide - Kentucky Personnel Cabinet

Waiver HRAIf you are an eligible, active employee and choose to waive coverage and select the Waiver HealthReimbursement Account (HRA), your employer will contribute $175 per month, up to $2,100 per year, intoyour HRA account. You receive a HumanaAccess Visa® debit card pre-loaded to pay for qualified medicalexpenses. Any balance remaining in your HRA at the end of the calendar year will roll to the next calendaryear, as long as you continue to waive your health insurance coverage and elect an HRA.Waiver HRAExamples of covered servicesMedical and prescription deductiblesCo-payments and co-insuranceCertain dental fees such as cleanings, fillings, and crownsOrthodontic treatmentVision fees including contacts, eyeglasses, and laser vision correctionMedical supplies such as wheelchairs, crutches, and walkersWho is Eligible to Waive Coverage and Receive an HRAAny active employee of a state agency, school board, or certain quasi-agencies who is eligible forstate-sponsored health insurance coverageA retiree who has returned to workNOTE: If you choose to waive health insurance through KEHP, your Waiver HRA will be your primary healthinsurance plan over Medicare.Who is Not EligibleAn employee of an agency that does not participate in KEHP's HRA/FSA programA retiree under age 65 who has gone back to work and elected coverage under the retirement systemNOTE: If you or your spouse or dependent is contributing funds to a Health Savings Account (HSA), youshould consult a tax advisor prior to establishing an HRA or FSA.If you do not need health insurance, you must actively waive your coverage, or you willbe automatically enrolled in the Standard CDHP, single coverage level plan option for2014.18