HRA Accounts?

I (27F) just want to make sure I’m reading my new plan correctly. My employer introduced a new plan this year that includes an HRA account. The plan reads as follows:

-Overall Deductible: $5000

-HRA pays the first $2500

-Maximum out of pocket: $2500

-Overall plan out of pocket: $5000

-Office visits: Subject to HRA then deductible

-Wellcare- Preventative services: 100% (no coinsurance/no deductible)

-Emergency Room: subject to HRA then deductible

-Inpatient hospital services: subject to HRA then deductible

-Prescriptions: preventative $10/$35/$60 (all other subject to HRA then member deductible)

This is exactly as it is laid out in my insurance guide. I’ve not changed anything with the wording.

Reading this, it sounds like insurance doesn’t cover anything before the HRA, so however much the doctor visit would be without insurance is what is billed to the HRA, right? And then once I deplete the HRA’s $2500, I have to pay out of pocket until I hit $2500?

Ex. My obgyn (non-preventive visit) is a $485 visit. I used to pay $20/copay, but now the $485 would just be deducted from the $2500.

Am I understanding this correctly? Head of HR was pretty dismissive about my questions. He made it seem like since I was young I shouldn’t need to spend more than the $2500 HRA, and when I tried to counter that there are other doctors I see regularly, he asked me to give examples (didn’t seem legal to ask that but unsure) and was condescending so I’m just feeling lost. I have three appointments coming up in the next week, and I still have yet to receive coverage details in the mail from the actual insurance company or to have the plan updated online.

EDIT: Sorry for the wonky style of the post. I did this on mobile, and I can’t get it took orderly :/