Doctor and Patient

Health Reimbursement Arrangements (HRAs)

What is a Health Reimbursement Account?

The HRA Account enables employers to purchase a higher deductible or out-of-pocket plan from their insurance company. Your employer 

may then choose to offer a reimbursement to employees out of the savings. Unused account balances are flexible and may be carried
forward from year to year. These accounts can also be utilized at retirement to offset Medicare payments or to subsidize COBRA.  

There are several types of HRA Accounts including Deductible Gap HRAs, Comprehensive HRAs, Limited HRAs, and HRAs combined with
Flexible Spending Accounts. Please refer to your Enrollment Packet for your HRA Plan specifics.

Stethoscope on the Cardiogram

What expenses are eligible for HRAs?

  • Breast pumps and supplies

  • Co-insurance and co-pays

  • Crutches, canes, walkers

  • Dentures and bridges

  • Diagnostic services

  • Deductibles for Medical, Dental, Vision and Prescription

  • Eye exams and surgery

  • Flu shots

  • Physical exams

  • And much more!

Getting Your Money Back


Submit your claim any of these easy ways!

  • Online at NCA Wealth Care Portal: northcoastadmin.wealthcareportal.com

  • Free mobile app (search NCA Benefits)

  • Fax to: 440-835-1188

  • Mail to:
    North Coast Administrators

       24700 Center Ridge Road, Suite 260

       Westlake, OH 44145                         

Check out our Claims page for more information!