Limited Purpose HRA FAQs

What is a Limited-Purpose Health Reimbursement Arrangement (LPHRA)?

A LPHRA is an employer-funded account you can use to pay or reimburse dental and vision expenses for you, your spouse, or your dependent children through age 26. The LPHRA is a tax-free benefit, so you receive the full value of every dollar you earn through Active Choices. In addition, a LPHRA is compatible with a health savings account (HSA).

How is my LPHRA funded?

For any associate not enrolled in a OneAmerica medical plan option or who is enrolled in a medical option but doesn’t have a health savings account (HSA), the incentives you earn by participating in Active Choices are added to the LPHRA in the quarter following the quarter in which they are earned. After you initially earn at least $50 of incentives, the funds are credited to your HRA. They will generally remain available until you spend them. You are not required to use the funds within a specific period of time and there are no restrictions on how much you can accumulate in your LPHRA.

What expenses does my LPHRA cover?

The OneAmerica LPHRA covers qualified dental and vision expenses. Examples of eligible expenses include:

  • Generally Eligible Dental Care: Cleanings, Checkups, Fillings, Crowns, Orthodontia
  • Generally Eligible Vision Care: Contact lenses, prescription eyeglasses (including prescription sunglasses), eye exams, laser eye surgery, contact lens cleaning and soaking solutions
  • Not Eligible: Cosmetic procedures (e.g. teeth whitening, veneers), non-prescription sunglasses, eyewear warranties, anything that is not related to dental or vision care

How does my BPC Benefits Debit Card work with my LPHRA?

The BPC Benefits Debit Card will work at providers who are coded on the MasterCard network as dental or vision providers. Of course, the card will only work to pay as much as your available balance in the LPHRA. If you also have a flexible spending account (FSA), the card will always draw funds from the FSA balance first since those funds could be forfeited if not spent. If, for any reason, you wish to use your LPHRA balance first, you will need to submit a manual claim for reimbursement.

What do I need to send to BPC?

After most debit card transactions, BPC will request documentation to verify the expense is eligible. You may submit an itemized receipt showing the date of service and type of service via mobile app, web portal, fax or mail. 

If you paid for an expense out of your own pocket, and need to be reimbursed, you will send the same documentation along with either a signed claim form (if mailing or faxing) or an online reimbursement request (if using the web portal or mobile app).

More information about paying for claims using the BPC Benefits Debit Card or submitting a manual claim can be found on the BPC website at

How quickly will I be reimbursed if I submit a claim?

Once BPC receives your claim, we will process it as quickly as possible. In general, you should receive reimbursement within 3 business days.

How can I access my account online or from a mobile app to check my balance or submit claims?

You can access your account online by visiting or by downloading the BPC Benefits mobile app.  First time users will need to supply an Employee ID (your 9-digit SSN) and an Employer ID (BPCAUL).

Who should I contact with additional questions?

  • If you have questions about how the LPHRA works, or a particular claim, you can check your account online, submit questions through the web portal, or call BPC at 877-272-8880. 
  • If you have a question about the Active Choices program, contact the HR Service Center at 317-285-2363 or toll free at 888-736-2363.