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Employer Billing Support

Need assistance administering your American Fidelity bill? We’re here to help. 

Express Billing

Managing your bill just got easier!

American Fidelity's Express Billing System allows you to view discrepancies minutes after you upload a properly formatted Excel file through your secure online account.

You can then manage your bill discrepancies on the same day, minutes after uploading your file. 

Learn more with this interactive guide 


How to Manage Your Bill

Step 1: Format and then upload your Excel file outlining the amount deducted from each employee's paycheck per coverage type. View Example Format 

Step 2: Review the discrepancies that appear. These errors are based on a comparison of your file and our bill. 

Step 3: Provide the reason for each discrepancy by using the list of reason codes. 

Step 4:  Once you have worked your discrepancies online, you can submit your reconciled premium deduction file with a matching payment. Congratulations! You're done! 

Frequently Asked Questions

What are the benefits of using Express Billing?

  • When you upload your premium deduction file in the correct format, you will receive an automated comparison of your data against ours.
  • Quickly see discrepancies in separate tabs to understand what should be updated before payment.
  • Reduces the need to reach out to customer support as you can work your bill entirely online in one day.

Why is using your online account for billing preferred?

  • Using American Fidelity’s online account allows for the submission of employee data through a secure environment. 

Terms to Know

Premium Deduction File: This file lists each employee and the amount of premium deducted from each paycheck per coverage type.

Reconciliation: Comparing the billed amount to your premium deduction amount.

Discrepancies: Billed premium does not match deduction amounts that need to be updated or verified, like terminations, leaves of absence, additions of coverage, etc. You can review all discrepancies through the Show All view or by:

  • Not on Bill 
  • No Payment Received 
  • Premium Shortages 
  • Premium Overages 

There are three convenient ways to manage your bills online. We highly recommend using Express Billing, which is the easy and fastest way to reconcile your monthly bills.

Express Billing
You upload a properly formatted Excel file, and the system compares our data against your information to provide discrepancies in minutes.

Assisted Billing
Send us your premium deduction file without formatting. Then, within 10-15 business days, we’ll send you a discrepancy report to review.

Manual Billing
We provide a bill listing the premium due. Then, you log in and make changes to reflect the premium deductions that need to be made.

American Fidelity automatically generates bills. Changes are not made until funds are received, and billing is posted. If the prior month’s funds have not been posted, your changes may not reflect the current bill. We strive to post the invoices with changes reflected on the next month’s bill. Paying bills on time will assist with changes being updated on the following month’s bill. However, if you have concerns about your changes not being updated, please contact your billing representative for immediate assistance.

Yes. If you need to change your bill's generation schedule, we can work with you to customize the date you receive your bills to best meet your needs. Contact your billing specialist or account manager.

To create an online account, register online here. Once your account is approved, it will be activated, and you will be able to log in

This sample file explains the minimum required fields needed to upload your premium deduction file through your online account. 

View Example File

For the best experience, we recommend using Google Chrome when reconciling your bill. 

Your pop-up blocker may be on. Here's how you can edit those settings:

Google Chrome

  1. Click on the three-dot icon in the upper right-hand corner of your browser.
  2. Click on Settings.
  3. Scroll to the bottom of the settings page and select Advanced
  4. Click on Site Settings.
  5. Click on Pop-ups and redirects.
  6. Toggle off your pop-up blocker

Internet Explorer

  1. Click on the gear icon and then Internet Options.
  2. On the Privacy tab, uncheck the Turn on Pop-up Blocker

Your file could be saved in a different area depending on your browser. 

Google Chrome

  1. Click on the three-dot icon in the upper right-hand corner of your browser.
  2. Select Downloads.

Internet Explorer

  1. Click on the gear icon in the right-hand corner of your browser. 
  2. Select View Downloads.

Please indicate that your employee no longer works at your organization by stating so on your premium/payroll deduction file and following these steps within your online account:

  1. From the home screen, click on the Group Admin tab in the upper right-hand corner.
  2. Click on Review or Terminate Employee.
  3. Search for the employee or click View Active Participants.
  4. Click on the employee's name and then Terminate Employee.
  5. Complete the form and click Terminate Employee to save changes. 

Billing Addresses

When submitting your bill, please include your customer number and your invoice number on or with your check. Review Example Invoice 

Insurance Product Billing 
American Fidelity Assurance Company
Attn: Billing Admin 
P.O. Box 268805
Oklahoma City, OK 73126-8805

Health Savings Accounts 
American Fidelity Assurance Company
Attn: HSA Admin
P.O. Box 258886
Oklahoma City, OK 73125

Annuity Billing 
American Fidelity Assurance Company 
Attn: Annuity Services
P.O. Box 25520
Oklahoma City, OK 73125

Flexible Spending Accounts - Education
American Fidelity Assurance Company
P.O. Box 219326
Kansas City, MO 64121-9326

Flexible Spending Accounts - Public Sector, Automotive, Healthcare
American Fidelity Assurance Company
P.O. Box 219309
Kansas City, MO 64121-9309

Indiana Flexible Spending Accounts - Education
American Fidelity
ATTN: First Merchant Bank: Group D
P.O. Box 7047
Indianapolis, IN 46207-7047

Ohio Flexible Spending Accounts - Education
American Fidelity
ATTN: First Merchant Bank
Reimbursement Account Administration: LB-42 AFA
P.O. Box 183074
Columbus, OH 43218-3074

Need additional help?

Reach out to your billing specialist or contact us.

Contact Us

American Fidelity Assurance Company