How does the change regarding over-the-counter drug expenses affect our Health Reimbursement Arrangement (HRA)?

Just like health care Flexible Spending Accounts, starting on January 1, 2011, over-the-counter drug expenses require a prescription to be reimbursed from an HRA. Communication of this change will be critical to employee satisfaction, since additional documentation will be required and HRA debit cards will not approve OTC drug purchases. If you use Ceridian's HRA services, we will provide communication materials during the plan renewal.

If our health FSA program includes a grace period, can our employees continue to receive reimbursements for over-the-counter medical expenses incurred after December 31, 2010, without additional documentation? No. For OTC medical expenses incurred after December 31, 2010, including expenses incurred during any grace period for the 2010 plan year (typically, January 1, 2011, to March 15, 2011), reimbursements are allowed only if the medicine or drug is prescribed (except for insulin, which will continue to be covered without a prescription).

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