If You Have Multiple Accounts
If you have a Health Care Reimbursement Account (HCRA) and a Health Savings Account (HSA) there are special rules governing the order in which the accounts can be used to cover eligible expenses. ConnectYourCare will automatically debit the correct amount based on the type of expense you have.
If You Have Both an HCRA and an HSA
If you enroll in an HSA Medical Plan and you have an HCRA and an HSA, remember that the rules for eligible expenses and withdrawals are different for each account.
Provision
HCRA
HSA
Types of eligible expenses you can incur
Dental and vision only
All IRS Section 213(d) eligible health care expenses
When your HCRA is depleted, any remaining eligible vision and dental expenses.
When you can start incurring eligible expenses
  • January 1 of the year for which you open the account, if you enroll during the Open Enrollment period
  • The date your coverage is effective, if you enroll midyear
The IRS prohibits you from filing claims for expenses you incur before your HSA has been established.
Your HSA will be established after PG&E funds your account and UMB opens and credits your account with PG&E's annual contribution:
  • Within 10 business days after January 1 of the year for which you enroll, if you enroll during the Open Enrollment period
  • Within seven business days following your first payroll cycle that occurs after the effective date of your enrollment in an HSA Medical Plan
You'll be able to incur eligible expenses on or after the date your HSA is established, not before.
How you can pay for eligible expenses
  • ConnectYourCare health care payment card
    • ConnectYourCare will automatically debit the correct account
  • Your own personal credit card, cash or check
    • You'll need to file a claim for reimbursement