One Exchange and Auto Reimbursement from HRA

Well lucky me, 2 prospects in 2 days both with OE. From reading past posts, and I do mean past (2006'ish). The only way for the person to get auto reimbursed from the HRA is through OE? I am guessing this is the retirees incentive for using OE and paying higher premiums. Am I correct in my deduction?
Thank you,

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