Understanding HRA Reimbursements with Salusion

Learn how Salusion HRA reimbursements work, from expense approvals to tracking your allowance and scheduled payments

Managing your Health Reimbursement Arrangement shouldn’t be complicated. At Salusion, we simplify the process, ensuring transparency so you always know where your allowance stands. From expense approval to tracking reimbursements, here’s everything you need to know.

Expense Review & Approval

Salusion reviews all submitted expenses daily to confirm they meet HRA eligibility criteria and include proper documentation, such as an uploaded receipt and a description. Each expense is then assigned a status:

Approved: The expense moves to “Approved Expenses” and enters the reimbursement queue.
Placed on Hold: If additional documentation is needed or there’s an inconsistency between the receipt and submission details.
Denied: If the expense doesn’t meet eligibility criteria, it is denied reimbursement.

Reimbursement Scheduling & FIFO Queue

Once an expense is approved, it enters a first-in, first-out (FIFO) queue and is reimbursed as allowance becomes available.

Monthly allowances accumulate throughout the plan year. For premium reimbursements, the allowance for the upcoming coverage month becomes available on the 12th of the preceding month for an ICHRA and on the 17th for a QSEHRA. Any unused allowance remains available for use throughout the plan year.
Each day, Salusion checks unpaid approved expenses against the available allowance and schedules reimbursements accordingly.
If an approved expense is smaller than the available allowance, it is reimbursed in full.
If an approved expense exceeds the available allowance, it is partially reimbursed, and the remaining balance stays in the queue.

Setting the Reimbursement Date & Processing Payments

Employers determine how reimbursements are processed. Employees can view their Reimbursement Method by clicking View Plan Details in the home page of their Salusion account.

Employer-Managed Reimbursements: If the employer handles reimbursements manually, the employer can choose to receive reimbursement reports from Salusion once monthly on the 1st or twice monthly on the 1st and 16th. The employer then processes payments.
Salusion-Managed Reimbursements: If the employer enables ACH automation, they can choose daily ACH processing as expenses are approved or twice-monthly ACH processing on the 5th and 22nd. ACH payments generally take about five business days to reach employees after processing begins.

Tracking Your Allowance

When you log in to your Salusion account, the HRA Summary section on the homepage provides a real-time view of your allowance and reimbursement status. Key details include:

Monthly Allowance: The amount made available each month.
Plan Year Allowance: The total allowance you’re eligible for throughout the plan year.
Remaining Annual Allowance: The total allowance still available for the rest of the plan year. This includes your available allowance today plus any allowances that will be added in future months.
Available Allowance: The amount currently accessible for reimbursement. This includes monthly allowance amounts that have become available and have not yet been used.
Expenses Reimbursed: The total amount already reimbursed.
Approved Expenses with a Scheduled Reimbursement Date: Approved expenses that have been assigned a reimbursement date.
Approved Expenses with No Scheduled Reimbursement Date: Approved expenses awaiting available allowance for reimbursement.
Submitted Expenses Pending Approval: Expenses submitted but still under review.

This section provides complete visibility into your available allowance and upcoming reimbursements.

Understanding the Reimbursement Process

The Pending Reimbursements section offers a detailed breakdown of expenses waiting for reimbursement, including:

Plan Year: The year in which the expense occurred.
Approval Date: The date the expense was approved, determining when it will be reimbursed (FIFO method).
Status: Whether the expense is approved, on hold, denied, or still under review.
Submission Date: The date the expense was submitted for reimbursement.
Service Date: When the medical service was received or the insurance premium was paid.
Provider: The name of the healthcare provider or insurance carrier associated with the expense.
Expense Amount: The total cost of the submitted expense.
Total Reimbursement So Far: The amount already reimbursed if the expense was partially paid.
Next Reimbursement Amount: The portion of the expense scheduled for the next payment cycle.
Next Reimbursement Date: The expected date of the next scheduled reimbursement.
Remaining Unpaid Amount: The portion of the expense still awaiting reimbursement.

This breakdown ensures you always know the status of your reimbursements and when to expect payments.

A Clear, Transparent Process

At Salusion, we prioritize clarity and convenience, giving you full visibility into your HRA allowance. Our user-friendly dashboard allows you to track your available allowance, see which expenses have been reimbursed, and know exactly when your next payment is scheduled.