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hra 3 easy steps

CDPHP uses a unique claims integration feature to make your HRA convenient and easy-to-use by eliminating the need to submit separate claims for covered services. All qualified medical expenses billed to CDPHP.

The process to use your HRA is simple:

  • Make sure to show your CDPHP member identification card when receiving care.
  • With deductible plans, it is preferable that members do not pay providers at the time of service. If the provider requires payment up front, the member may be owed a refund once the claim processes and is paid through the HRA.
  • Payment for medical care will automatically be deducted from your HRA and sent to your provider by CDPHP.
  • CDPHP will send you an Explanation of Benefits (EOB). The EOB is not a bill, but will provide you claim details, such as patient responsibility and amount withdrawn from your HRA.
  • Once your HRA funds are exhausted, you will begin receiving bills from your providers.
  • If your provider requires payment at time of service, you may be entitled to a refund from the provider once the claim is processed with CDPHP.

* With deductible plans, it is preferable that members do not pay providers at the time of service. If the provider requires payment up front, the member may be owed a refund once the claim processes and is paid through the HRA.