Do I have to pay my Primary Responsibility Amount (PRA) upfront?

Yes and No....

The PRA is the annual amount a Member Household is responsible for before medical bills will be approved for sharing. The PRA must be paid in advance of sharing, but depending on the bills incurred, you may not owe it all at once.

For instance, if you have a $2,500 PRA and in your first medical incident you go to the emergency room and your bill is $1,200, you will be responsible for $1,200 of that bill.  You wouldn't owe more than the $1,200 until you incur additional bills.  

If in that same scenario the emergency room bill was actually $3,000, you would be responsible for paying the first $2,500 and the additional $500 would be processed for sharing.

The PRA only applies to Eligible Medical Bills. After the PRA has been met, and the co-share applied, all Eligible Medical Bills will be submitted for sharing for Member Household.