Health Savings Account (HSA) and Health Reimbursement Account (HRA)

Shifting behaviors, not costs, to create active participants who are encouraged and rewarded for choosing quality care.

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How HSAs and HRAs Work

The health savings account (HSA) gives employees ownership of a tax-exempt savings account they can use to contribute pre-tax dollars to pay for covered health care costs.1 The health reimbursement account (HRA) is employer-funded and, combined with a health plan, helps employees pay for covered health care costs.

HSA Plan Features

  • Employee-owned account. The employee keeps rollover of all unused funds.
  • Qualified high-deductible plans are eligible.
  • Premiums for these plans are typically lower than traditional medical plans.
  • Contributions can be made by the employer and the employee, up to the IRS limit each year.
  • Preventive prescription drugs can be covered before employees meet their deductible.
  • Optional Limited Purpose Flexible Spending Account (FSA). his gives your employees the freedom to enroll in an HSA while saving additional pre-tax dollars in a FSA to help pay for eligible vision and dental expenses.

HRA Plan Features

  • Employer-owned account. The employer chooses limits on remaining HRA dollars that roll over to future plan years.
  • Dollars remain with employer if employee leaves, or they are unspent at end of year.
  • Most health plans are eligible. Employers choose the underlying medical plan.
  • Contributions are made by the employer. Employers choose how much to contribute.
  • Automatic claim forwarding option to pay health care providers directly from the HRA.

About Consumer-Driven Health Plans

Consumer-Driven Health Plans (CDHPs) give employers the flexibility to combine a qualifying medical plan with either an HSA or HRA. Our CDHPs are designed to deliver savings for clients, without shifting costs to customers. Employers can choose to offer one or both Cigna Healthcare℠* CDHP plans.

Value of Integrating Cigna Healthcare HSA and HRA Plans

When bundled with a Cigna Healthcare medical plan, our HSA and HRA plans offer an integrated experience for employers and employees. This makes it easy to implement and simple to maintain. Compare the benefits of pairing Cigna Healthcare medical plans with Cigna Healthcare HSA and/or HRA plans vs. pairing Cigna Healthcare medical plans with a third-party HSA and/or HRA vendor.

ServicesHSA and/or HRA + High Deductible Health Plan (HDHP)(all from Cigna Healthcare)Third-party HSA and/or HRA + Cigna Healthcare HDHP
ID card
  • ID card
  • References medical plan and HSA/HRA
  • Medical plan ID card with no reference to the HSA/HRA
Digital
  • Employees have access to bank account information, HRA account information, Medical and Pharmacy via the myCigna® website.
  • myCigna and bank vendor sites are separate.
  • Employees have access to Medical and Pharmacy plan only.
Customer Service
  • Cigna Healthcare service representatives have access to individual’s medical, HSA and HRA activity
  • Warm transfers from Cigna to HSA vendor as needed for additional assistance.
  • Two customer service phone numbers
  • Cigna Healthcare customer service cannot answer HSA or HRA questions
  • No warm transfers between Cigna and HSA vendor service operations
Billing
  • Employer gets a single bill from Cigna Healthcare for medical plan, HSA administration and/or HRA administration
  • Employer gets separate bills for medical plan (Cigna Healthcare), HSA administration (bank vendor) and/or HRA administrative services (vendor)
Enrollment
  • Cigna Healthcare facilitates HSA bank account enrollment submission
  • Cigna Healthcare confirms HDHP enrollment of HSA applicants
  • Standard enrollment materials identify both medical plan, HSA and/or HRA features.
  • Cigna Healthcare does not support bank account enrollment submission.
  • Cigna Healthcare does not confirm HDHP enrollment of HSA applicants.
  • Separate enrollment materials for medical plan, HSA and/or HRA.
Cigna Health Advisor® Program (not available with all plans)
  • Wellness and at-risk outreach, gaps in care coaching and treatment decision support included.
  • Medical plan ID card with no reference to the HSA/HRA
Claim processing
  • Medical claims can be automatically forwarded for consideration for HRA reimbursement.
  • Single remittance is sent to health care provider and individual showing both the medical claim adjudication and HRA payment.
  • Cigna Healthcare processes medical and pharmacy claims only.
  • Individual must submit request for reimbursement from HRA.
Contributions
  • Various options are available for the employer to fund the HSA, including bulk funding and employee-directed contributions through deposit or electronic funds transfer (EFT). Varies by plan.
  • HSA contributions managed by bank vendor.

Benefits of Cigna Healthcare Spending and Savings Accounts

  • Single customer service phone number
  • Single contact for employer
  • Debit card for immediate access to funds
  • Autopay available on Medical**
  • Streamlined client funding of accounts
  • 24/7 customer service and access on myCigna
  • Submit reimbursement requests online or by app**
  • Flexible funding design**
  • Direct deposit**

** HRA and FSA only.

Features may vary based on employer elections.

More Reasons to Choose Our Health Savings Accounts

Customers with a Cigna Healthcare-administered integrated HSA are more engaged and spend less. Overall, these customers have an 84% higher overall engagement and an 85% higher engagement with our chronic condition coaching program.2 They also:

  • Spend $73 less on medical costs per customer per year2
  • Log into myCigna twice as often2
  • Use the “Find Care” feature on myCigna 31% more often to search for a provider or service2
  • Search the cost of medical procedures 33% more often2
  • Are twice as likely to complete Health Risk Assessments2

Related Resources

More Health Spending and Health Savings Accounts

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*Offered by Cigna Health and Life Insurance Company or its affiliates

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1 State and/or local taxes may apply. Contact your tax advisor for details.

2 2023 our latest study of medical customers who have a Cigna Healthcare-administered benefit with Integrated HSA administration vs. those with an HSA-eligible Cigna Healthcare benefit with carved-out HSA. Cohort is based on customers with 24 months of continuous Cigna Healthcare plan experience; 2020-2021. Results may vary.

Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna Healthcare representative.

Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT), or its affiliates. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT). Policy forms: OK – HP-APP-1 et al., OR – HP-POL38 02-13, TN – HP-POL43/HC-CER1V1 et al. (CHLIC); GSA-COVER, et al. (CHC-TN).

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