Making sure you have great health care benefits that support and protect your health and well being is important to us because we know it's important to you. At Gap Inc., we want our health benefits to do more than just take care of you when you're sick. Gap Inc. offers two Health Reimbursement Account (HRA) Plans: HRA and HRA Plus. The HRA plans are designed as a total health and wellness solution, with tools and resources to help you improve your long-term health and manage your health care spending.
What is the HRA Plus Plan?
The HRA Plus Plan is a medical plan with a health reimbursement account. The plan offers comprehensive coverage and provider network choices as well as out-of-pocket maximums to protect you financially from expensive medical bills due to an illness or injury. A key focus of the HRA Plus plan is enhanced preventive care and wellness benefits.
When you first enroll in the plan and at the beginning of each plan year, Gap Inc. allocates a specified amount of HRA dollars into a health reimbursement account in your name. This account may be used for any combination of in-network and out-of-network covered health services. However, it cannot be used for prescription drug, dental and vision expenses. Any in-network, basic preventive care service is covered at 100% and does not use HRA dollars.
Your HRA dollars will be used first to pay for 100% of eligible expenses up to the allocation in your account. If you spend all the HRA dollars in your account, you are then responsible for paying your deductible and co-insurance. If you don't spend all your HRA dollars within the plan year, and you re-enroll in one of the HRA plans for the following year, any remaining HRA dollars will roll over into the following year's HRA dollars allocation.
Here are the key features of the HRA Plus Plan:
For a comprehensive list of HRA Plus plan features and coverages, please click here.
What's the difference between the HRA and HRA Plus Plan?
In general, these plans work the same way and cover the same types of medical services, but:
With the HRA plan...
With the HRA Plus plan...
Who is eligible?
Employees classified as full-time in the U.S. are eligible to participate in Gap Inc.'s HRA Plus plan.
You can also sign up your eligible dependents for Gap Inc.'s HRA Plus plan, including:
For more detail about eligibility requirements for your dependents, please click here.
When can I take advantage of this benefit?
If you are a new full-time employee, you can sign up for Gap Inc.'s HRA Plus plan as soon as you have access to the Benefits home page on GapWeb. You must enroll within 60 days of your new hire or full-time status date.
Existing employees can enroll in the HRA Plus plan, or make changes to existing selections, during Gap Inc.'s Open Enrollment period. Any changes made during this time will take effect in the new plan year, which begins on July 1 and ends on June 30. After the Open Enrollment period ends, you can only make health care benefit changes if you experience a qualifying Life Event, such as having a baby, getting married/divorced or starting/ending a domestic partner relationship. For more detail about qualifying Life Events, click here, or to process a qualifying Life Event, click here.
How do I enroll in the HRA Plus plan?
You must enroll online to add the HRA Plus plan. To enroll, click here. The enrollment panels will be available to you for 60 days from your hire date or full-time status date. Once you enroll, your coverage will begin on your hire date or full-time status date.
What does the HRA Plus plan cost me?
With the HRA Plus plan, Gap Inc. sets aside HRA dollars (the amount varies by coverage category and plan) that you can use to pay for your eligible health care expenses before you pay out of your own pocket. If you spend all the HRA dollars in your account, you are then responsible for paying:
You are also responsible for the "employee contribution," or your cost for each benefit plan you choose, which is deducted from your paycheck. Please click here to review the current cost of each plan.
The amount you pay will vary by the coverage category you choose, the HRA plan you participate in, and the amount of health care services you use during the year.
Remember that all eligible in-network preventive care is 100% covered, at no cost to you. And, the HRA Plus plan protects you from very high medical expenses through an out-of-pocket maximum that puts a limit on the most you would pay for eligible medical costs in a plan year.
To help determine your costs, and what plans are right for you and your family, click here for our Plan Cost Estimator.
Where can I get more information?
Here are three ways you can get more information about Gap Inc.'s HRA Plus plan:
Quick Tip: Maximizing Your Health Care Dollars
Quick Tip: Managing Your Health
Quick Tip: In-Network Vs. Out-of-Network Care
If you choose to seek care outside the UnitedHealthcare network, the HRA plans generally pay benefits at a lower level. You are required to pay the amount that exceeds the eligible expense. The amount in excess of the eligible expense could be significant, and this amount does not apply towards the out-of-pocket maximum and may deplete your HRA benefit dollars more quickly. You may want to ask the out-of-network provider about his/her billed charges before you receive care.
Quick Tip: Visit myuhc.com
UnitedHealthcare offers its members secure, easy-to-use access to their benefit information 24 hours a day, seven days a week through myuhc.com, your self-service health and well-being website. Through myuhc.com, you will be able to: