HEALTH REIMBURSEMENT ACCOUNT (HRA)

A Health Reimbursement Account (HRA) is a supplemental way to help you pay for out of pocket medical expenses that you are required to pay under the terms of the North Central States Carpenters’ Health Fund and the Internal Revenue Code 213(d).

Items you can reimburse through the HRA include:

  • Deductibles and co-payments
  • Qualified out-of-pocket medical expenses
  • Prescription drugs
  • COBRA and self-pay premiums.


You may also allow it to accumulate and use it for payment of your premiums for health coverage when you retire.

For a complete list of covered expenses, refer to IRS Publication 502.

To access your HRA Consumer portal visit https://ncsrcc.lh1ondemand.com/. To create an account, click on "Get Started" under the New User Section.

FORMS / PLAN DOCUMENTS & NOTICES

FORMS

Auto-Deduct Self-Pay Opt-In Form

Annual HRA Opt-Out Form - 2023

Claims Reimbursement Form

Direct Deposit Form


PLAN DOCUMENTS & NOTICES

Notice (2015)

Annual ACA HRA Opt-Out Notice - 2023

FREQUENTLY ASKED QUESTIONS

HRA

What is a health reimbursement account?
A Health Reimbursement Account (HRA) reimburses qualified out-of-pocket medical expenses to the maximum extent permitted by law, which generally means all claims described in IRS Publication 502. An HRA allows you to accumulate money (employer contributions only) in an account to pay for both current and future health expenses for you and your dependent(s), as well as self-payments to continue your eligibility. An HRA allows much greater flexibility for you to use these contributions for qualified out-of-pocket medical expenses or self-payments to continue coverage. You also can use your HRA to pay many types of accident or health insurance premiums. You also may allow it to accumulate and use it for payment of your premiums for health coverage when you retire.
How do I request reimbursement?
Most providers will accept the debit card. You can also file a claim for reimbursement via the Consumer Portal, NCSRCC Mobile App or submit a paper claim. You will be required to provide an itemized statement for all claim submissions.

Paper claims can be mailed to:

NCSRCC Health Fund
PO Box 4002
Eau Claire, WI 54702
Can I access my HRA account online?
Yes. Accessing the Consumer Portal is easy.
Simply visit https://ncsrcc.lh1ondemand.com and click on “Get Started” under the New User section to create your account.

You can also download the NCSRCC Mobile App and select “New User Registration” to create your account.

The username and password for the Consumer Portal and NCSRCC Mobile App will be the same.
Can my reimbursement be sent to my bank account?
Yes. Direct deposit is available. You must complete a direct deposit form. A printable direct deposit form is available under Forms in the HRA section.
Can the HRA be used for self-payments to continue coverage?
Yes. If you do not work enough hours to continue eligibility, you may elect to have the payment deducted directly from your HRA. You must complete the HRA Election Form Authorizing Automatic Deduction of Quarterly Premiums and return it to the Fund Office prior to the due date of the payment.
What happens in the event of death of the participant?
In the case of your death, your spouse or other eligible dependents will have access to your HRA for reimbursement of eligible medical and premium expenses. The HRA cannot be paid as a death benefit.
Can HRA amounts be forfeited?
You will forfeit the HRA balance after a five-consecutive-year period in which there has been no account activity (i.e., no new contributions or reimbursement requests).

You also will forfeit the HRA balance if you perform industry work in the geographical jurisdiction of the United Brotherhood of Carpenters International Union for a non-contributing employer or if you remain employed with an employer that withdraws from the Fund. The Fund will reinstate your account balance if you reestablish Fund eligibility within 12 months of the date the balance was forfeited.

(715) 835-3174     (800) 424-3405

Street Address:
1704 Devney Drive    Altoona, WI 54720


Mailing Address:
PO Box 4002    Eau Claire, WI 54702

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