Health Reimbursement Account (HRA)

Tip #1: How the HRA works.

• Access your HRA through your medical plan administrator (Anthem Blue Cross Blue Shield or UnitedHealthcare).
• The company contribution is available on January 1, if you enrolled during the previous Annual Enrollment period. If you join after January 1, the amount is adjusted based on when you enroll.
• You can use your HRA to help pay medical costs for you and your covered family members.
• You can submit HRA claims through March 31 of the following year (e.g., 2026 HRA claims can be submitted through March 31, 2027). Don’t forget that you must request reimbursement from your HRA unless you elect to have your claims automatically paid from your HRA.
• You can carry over balances up to $4,000 from year to year.
• If you change your medical plan option, leave or retire from Siemens Healthineers, or drop coverage under the medical plan, you will lose any unused amounts in your HRA.

Tip #2: Know when to use the Healthcare FSA vs. your HRA

• Medical expenses that are eligible for reimbursement under both the HRA and the Healthcare FSA must be submitted to your HRA first. This includes out-of-pocket medical expenses, such as your deductible, copays and coinsurance. After your HRA balance has been exhausted, future medical expenses for the year may be submitted directly to your Healthcare FSA.
• Certain expenses that are not eligible for reimbursement under the HRA (for example, prescription drug, eligible over-the-counter medication, vision and dental expenses) may be paid from your Healthcare FSA.
• You are responsible for requesting reimbursement from your HRA, unless you elect to have your claims automatically paid from your HRA. This election can be made on the HRA website of your claims administrator (Anthem BCBS or UHC).

For our company couples

If you change who pays for coverage, for example, in 2026 you drop family coverage but your spouse, also a Siemens Healthineers benefits-eligible employee enrolls the family—your unused HRA balance will not transfer. Any unused funds from the previous year will be forfeited.

Eligible healthcare expenses

Please refer to the Siemens Medical Solutions USA, Inc. Group Insurance and Flexible Benefits Summary Plan Description (SPD)

Expenses not eligible under your medical plan option; amounts above the Reasonable and Customary charges or Maximum Allowed Amount; prescription drug, dental and vision expenses; as well as payroll contributions are not eligible for reimbursement under the HRA.

Earn additional company contributions with Healthy Rewards.

It’s as easy as 1, 2, 3! Participate in certain wellness activities and receive additional company contributions deposited into your HRA.