1. Spend every day wisely
Further | Proprietary + Confidential

2. Your Health Reimbursement Arrangement (HRA)
Your employer owns it
They fund the account for you
You never add your own money
Use it to pay for qualified medical expenses for anyone covered by your health plan
The money you use is tax-free
Use it or lose it1
1 Depending on how your employer sets up the account, money may be forfeited at the end of the plan year or grace period
Further | Proprietary + Confidential

3. Employer pays 1stwith health plan
How your HRA works
All the money is available day one
See your doctor and have a qualified medical expense
Doctor bills your health plan
Funds in your HRA will pay the expenses first
Once the funds are exhausted, you pay the rest until your deductible is met and your health plan covers the costs
Further | Proprietary + Confidential

4. Your employer pays first
Employer pays 1stwith health plan
Your employer pays first
Employer funds the HRA
You see your doctor
They bill your health plan
Your HRA pays bills first
You pay the rest
Your employer pays first
Your employer decides how much to fund the HRA and what it will cover. Funds are available day one.
You see your doctor and have a qualified medical expense.
The doctor’s office sends the bill (claim) to your health plan.
The health plan processes the claim, then sends it to your HRA for payment first.
Once the funds are exhausted you are responsible for the bills until you reach your deductible.

5. Employee pays 1st with health plan
How your HRA works
Funds are available as deposited.
See your doctor and have a qualified medical expense
Doctor bills your health plan
You pay the health care bills first
Once you’ve reached your portion of the deductible, HRA funds will automatically pay the next portion until your deductible is met and your health plan covers the costs.
Further | Proprietary + Confidential

6. Your employer pays first
Employee pays 1st with health plan
Your employer pays first
Employer funds the HRA
You see your doctor
They bill your health plan
You pay the bills first
Your HRA pays the last
You Pay First
Your employer decides how much to fund the HRA and what it will cover; Funds are available as deposited.
You see your doctor and have a qualified medical expense.
The doctor’s office sends the bill (claim) to your health plan.
You pay the first expenses out-of-pocket until your share of the deductible is met.
Once you’ve reached your share of the deductible, your HRA covers the rest or until funds are exhausted.

7. Meet the Robinsons Two parent family with two school-age children
Employee pays 1st with health plan
Meet the Robinsons Two parent family with two school-age children
Health plan deductible
$3,000
Employer HRA contribution
$1,200
HRA pays last portion of the health care deductible
Your deductible with an HRA
$1,800
Assumes the Robinsons pay 25% of their income in federal, State and social security taxes. Actual tax savings will depend on your HSA contributions, applicable State tax rates and your personal tax situation. Please consult your tax adviser for details.
This story is a hypothetical example for purposes of illustration only.
Further | Proprietary + Confidential

8. Shared payments with health plan
How your HRA works
Funds are available once deposited.
See your doctor and have a qualified medical expense
Doctor bills your health plan
Use available funds in your HRA to pay the shared portion of your health care bills until the funds are exhausted
 You pay your shared portion of any remaining health care bills until your deductible is met and your health plan covers the costs
Further | Proprietary + Confidential

9. Your employer pays first
Shared payments with health plan
Your employer pays first
Employer funds the HRA
You see your doctor
They bill your health plan
You pay your share
Your HRA pays the last
You Pay First
Your employer decides how much to fund the HRA and what it will cover; Funds are available as deposited.
You see your doctor and have a qualified medical expense.
The doctor’s office sends the bill (claim) to your health plan.
You pay the first expenses out-of-pocket until your share of the deductible is met.
Once you’ve reached your share of the deductible, your HRA covers the rest or until funds are exhausted.

10. Meet the Robinsons Two parent family with two school-age children
Shared payments with health plan
Meet the Robinsons Two parent family with two school-age children
Health plan deductible
$3,000
Employer HRA contribution
$1,200
You each pay a share of the out-of-pocket deductible
Your deductible with an HRA
$1,800
Assumes the Robinsons pay 25% of their income in federal, State and social security taxes. Actual tax savings will depend on your HSA contributions, applicable State tax rates and your personal tax situation. Please consult your tax adviser for details.
This story is a hypothetical example for purposes of illustration only.
Further | Proprietary + Confidential

11. Expenses you can pay for:
Qualified HSA expenses
These you can’t pay for:
Expenses you can pay for:
Generally covers the same expenses covered by your health plan.
In-network doctor visits
Inpatient or outpatient hospital care
Diagnostic exams
Prescription medications
Expenses that your health plan doesn’t cover
Out-of-pocket
Co-pays, co-insurance
Prescription drugs
Health expenses not included in your health plan:
Dental and vision care
Family or marriage counseling
Cosmetic surgery and procedures; teeth whitening
Personal items such as toothpaste, lotions, makeup, soaps, or shaving supplies
Supplements
Fitness programs and exercise equipment
Always save your receipts to ensure proper validation of expenses, as required by the IRS.
Further | Proprietary + Confidential

12. After you’re enrolled Receive your debit card by mail
Register on hellofurther.com
Pay providers and submit claims for reimbursement
View account activity and check balances
Download forms and upload receipts
Further | Proprietary + Confidential

13. Let’s get started Our expert service team is ready to help.
M-F 7AM-8pm CST
Hellofurther.com
Adjust times to the appropriate time zone in which you are presenting
Further | Proprietary + Confidential

14. Further | Proprietary + Confidential
Thank you!
Further | Proprietary + Confidential