I realize I could filter through the contract, but am too lazy, and I have not received the information yet. If you get the plan that includes the HRA's, do you have to pay the full cost from your HRA if you see your doctor for any health concern?

I don't see any way I'm not taking the buy up plan, but if you end up paying for everything out of your HRA, what's the point? Taking a gamble your family will have a healthy year and you can bank the money?