Page 13 - 2013 Adv1FCU Health and Welfare SPD

When you enroll in an HRA, the Employer contributes an amount to your HRA account each
year which can be used to pay for qualified medical expenses, including any deductible or
coinsurance, if applicable. Any unused funds remaining in your HRA account at year end, up to
the amount determined by the Employer annually, will automatically roll over to the next
calendar year and can be used for future qualified expenses.
Any required premiums for coverage will be shown on your Election Form. Your premiums will
be deducted from your pay on a pre-tax basis.

Limitations and Exclusions
The materials for each Benefit Program contain information about limitations on benefits,
(including any restrictions on expenses that can be reimbursed from an HRA, if applicable),
covered preventive care services, prescription drugs, pre-authorizations required, utilization
reviews required, obtaining emergency care, exclusions and expenses not covered, medical
tests and procedures covered, any limits or caps on certain coverage, and relative costs for in-
network and out-of-network services.

Continuation of Health Care Coverage through COBRA
If your health care coverage under the Plan ends for reasons other than the Employer’s
termination of all coverage under the Plan or your (or your dependent’s) exceeding a maximum
amount under the Plan, you and/or your eligible dependents may be eligible to elect to continue
coverage under the Consolidated Omnibus Budget Reconciliation Act (“COBRA”). Health care
coverage may continue at your own expense for a specific length of time. See the section
entitled “Your HIPAA/COBRA Rights” for additional information. Please note that if your
Employer has less than 20 employees, Federal COBRA legislation may not apply to you, but
you may instead be eligible for COBRA benefits available through your state. Contact your
Insurer for additional information as these provisions vary from state to state.

For More Information
If you have a question about a covered service, or for more information about a specific
procedure, coverage of new drugs, tests, or experimental or investigative treatments, you
should consult the materials furnished by the Insurer for the coverage in which you are enrolled.

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