Filing
Your Claims

To file an insurance claim online or using AFmobile:

1. Log in to your account online or through your mobile device.
2. Click the File a Claim button from your dashboard.
3. Select the policy you want to file a claim for.
4. Use the Choose Files to Upload button to attach the requested documents. Click Next.
5. Fill in the required claim information where prompted.
6. Verify that your personal information is accurate.
7. Check the acknowledgment box and click Submit to finalize your claim.

To file an insurance claim by fax or mail:

1. Download and complete the relevant claim form from our Claim Form page.
2. Submit the completed form and required documentation via fax or mail. 

Please note, paper claim filing is not the fastest option. File a claim online or through AFmobile to get your money faster.

To file an FSA/HRA reimbursement claim online or using AFmobile:

1. Log in to your account online or through your mobile device.
2. Click the File a Claim button.
3. Under Reimbursement Accounts, select the link to navigate to the reimbursement account portal (which will open in a new tab).
4. For Service Type, choose the account you want to file a claim for, then fill in the required claim information as prompted.
5. Complete the claim form.
6. Choose your preferred Validation Method.
7. Check the authorization box and click Submit to finalize your claim.
   

To reimburse yourself for an HSA expense:

1. Log in to your online account.
2. Click the File a Claim button.
3. Under Reimbursement Accounts, select the link to navigate to the reimbursement portal (which will open in a new tab).
4. Fill in the required reimbursement information as prompted.
5. Check the authorization box and click Submit.
6. On the following screen, review your reimbursement details and click Submit to finalize your request.

To file a reimbursement claim by fax or mail:

1. Download and complete the relevant claim form from our Claim Form page.
2. Submit the completed form and required documentation via fax or mail. 

Please note, paper claim filing is not the fastest option. File a claim online or through AFmobile to get your money faster.

The fastest way to check the status of a claim is through your online account, or on our mobile app, AFmobile^®.

For Insurance Claims:

You can check the status of your insurance claims by following these steps:

1. Log in to your account online or through your mobile device.
2. Go to the Claims Status section on your dashboard.
3. There you can view the status of all current and past claims you’ve filed.
   

For Reimbursement Claims:

To check your reimbursement claim status online:

1. Log in to your online account.
2. Click on the Reimbursement Account button to navigate to the reimbursement account portal (which will open in a new tab).
3. Scroll down to view your Claim Activity and their statuses.
   • Claims that are approved will be listed in green.
   • Claims that are pending will be listed in blue.
   • Claims that require action, such as uploading required documentation or more information, will be listed in yellow.
   • Claims that are denied will be listed in red. Click on the transaction to view more details.

To check your reimbursement claim status using AFmobile^®:

1. Once logged in, tap the Reimbursement Account button to navigate to the reimbursement account portal (which will open in a new tab).
2. Scroll down to view your Claim Activity and their statuses.
3. The claim status, amount, and other details will be located on this screen.

To enroll in Direct Deposit for insurance claims online:

1. Log in to your online account.
2. Hover over your name at the top of your screen and click Direct Deposit.
3. Enter or update your bank account information.
4. Click to check the Authorize box.
5. Click on the Save Direct Deposit button.

To enroll in Direct Deposit for reimbursement claims online:

1. Log in to your online account.
2. Click the Reimbursement Account button.
3. Hover over your name in the top right of the screen and select Profile.
4. Select the Edit button above Reimbursement Method.
5. Select Direct Deposit.
6. Enter or update your bank account information.
7. Click the Save button.

To enroll in Direct Deposit using AFmobile^®:

1. Once logged in, tap the More icon located in the lower-right corner of the app.
2. Scroll down to Direct Deposit.
3. Choose whether you’d like to enroll in Reimbursement Direct Deposit or Insurance Direct Deposit.
4. Follow the prompts to complete the setup.

Note: You’ll need to set up direct deposit for your insurance benefits and reimbursement accounts separately.

To upload documentation for a claim online:

1. Log in to your online account.
2. Click either the Reimbursement Account button at the top of your screen or the Claims button on the left-hand side of the screen.
   • For Reimbursement Accounts, which will open the reimbursement account portal in a new tab online, select the pending claim transaction and click Add Receipt to upload documentation.
   • For Insurance Claims, select the claim from the Pending Claims section and then upload your documentation.

To upload documentation for a claim using AFmobile:

1. Log in to AFmobile.
2. Tap Additional Documentation from the home dashboard.
3. Select if you want to upload documentation for a Reimbursement Account, Insurance Claim or Leave.
4. Follow the instructions and, when prompted, either select Camera to take a photo with your device’s camera or Files to upload from your phone's gallery.
5. Tap the Submit Files button to complete. 

Claims are generally processed within seven business days after all required documentation is received.

Note: If you have an American Fidelity cancer, accident, critical illness, or disability policy, most annual wellness and screenings exams, diagnostic testing, health screenings, or physician expense benefit claims may qualify for quick processing. When you submit one of these claims online or through AFmobile, you can receive payment in as little as one day when enrolled in direct deposit. No extra documentation is required.

Learn more about AFQuickClaims^®