HRA Health Reimbursement Arrangement for PPO Medical Plans

New Health Reimbursement Arrangement (HRA) for PPO Plans

To help manage medical plan costs while keeping premium increases as low as possible, Latin is introducing a Health Reimbursement Arrangement (HRA) for PPO plans effective July 1, 2026.

What does this mean?

Beginning July 1, 2026, the PPO plan deductible will increase from $1,500 to $5,000 per individual (family deductible increases from $4,500 to $15,000). However, Latin will fund the difference through the HRA, so your effective deductible remains $1,500 per individual ($4,500 family).

For most employees, nothing changes unless deductible expenses exceed these amounts.

Deductible Expenses Flow Chart

New reimbursement process

(Only applies if deductible expenses exceed $1,500 for an individual or $4,500 for a family.)

1. You incur eligible medical expenses that apply toward your deductible.
2. BCBS sends claim information to Flex, our HRA administrator.
3. Flex reimburses you through direct deposit (be sure to add your banking information to your Flex account).
4. You pay your medical provider using both your own funds (if necessary to reach your effective deductible) AND any HRA reimbursement you receive.

Additional Information

• HRA funds may only be used to reimburse deductible expenses and cannot be used for copays.
• Flex account information and enrollment instructions will be provided before July 1, 2026.
• Although claims should be processed automatically through the BCBS data feed, you may also submit reimbursement requests directly to Flex if needed.
• HRA benefits are available to covered employees, dependents, retirees enrolled in the plan, and COBRA participants.
• Because the deductible incrases on July 1, 2026, members who have already satisfied the current $1,500 deductible during the first half of 2026 may incur additional deductible expenses during the remainder of the year that will be eligible for HRA reimbursement.
• While Latin's plan year runs from July 1 through June 30, BCBS deductibles and out-of-pocket maximums follow the calendar year (January 1 through December 31).
• The HRA is applicable to the Blue Choice Options & Blue Choice Select PPO plans.
• You are able to file a claim online, fax, mail or email
  • www.myflexaccount.com
  • 888-345-7990

Resources on Flex portal http://www.myflexaccount.com



  

Medical Enrollment Tier	Employee Level Deductible (regardless of tier)	Remainder of Deductible Available for Reimbursement
Individual	$1,500	$3,500
Individual + 1 (Sp or Ch)	$3,000  ($1,500/ea)	$7,000
Family	$4,500  ($1,500 for 1st,  $3,000 combined)	$10,500