Health Reimbursement
Arrangements (HRA) Support

This depends on the type of HRA plan your employer offers. Your HRA may be set up to provide reimbursement for only deductibles, copayments, or premiums. Under a comprehensive plan, examples of eligible medical expenses may include medical deductibles, prescriptions, chiropractic services, physical therapy, transportation to receive medical care, laser eye surgery, and more. A limited plan may only include reimbursement for eligible dental or vision expenses, such as eye exams, eyeglasses, contact lenses, dental care, and orthodontia.

To determine your coverage, check with your employer on what plan is being offered.

An HRA is a savings account set up by your employer to reimburse you for eligible medical expenses. HRAs are completely funded by your employer.

If you already have an American Fidelity online account, simply log in to your account to view your HRA information.

If you have not created an account, click here to register now. You will use this same registration information on the mobile app, AFmobile^®.

Your employer determines eligibility under their HRA plan.

No. Only your employer can contribute to your HRA.

Some HRAs will require you to use all your HRA funds within the current plan year. This means that you forfeit money you don't use by the end of the plan year. However, some HRAs allow rollover of account balances from year to year. Your employer has selected the HRA that best fits with your medical plan. Please check with your employer for more information on how your specific HRA works.

Yes. An HRA may be designed in various ways to work in conjunction with your medical plan and/or other reimbursement accounts. Based on benefits offered, your employer will select the HRA type that best compliments your overall benefits package. Some types include "comprehensive," which covers a wide range of medical expenses, "limited," which covers only dental and vision expenses, "deductible only," which covers eligible medical expense only after you reach your medical plan deductible, and "retiree," which covers only eligible medical expense of retirees.

A Benefits Debit Card allows you to pay for eligible expenses, such as prescriptions and copayments. If your employer has elected to provide a Benefits Debit Card, you may use this card instead of paying out of pocket.

Please note – when you use your Benefits Debit Card to pay for eligible medical expenses, documentation (like an explanation of benefits (EOB) or an itemized receipt) must be submitted to prove the eligibility of the expenses.

You may use it at most health care facilities, including hospitals, physician’s, dental, and vision offices.

Additionally, many merchants also accept the card. To view a list of participating stores, visit SIGIS Store Locator.

To replace a lost or stolen Benefits Debit Card online:

1. Log in to your online account
2. Click the Reimbursement Account button.
3. Hover over your name in the top right corner of the screen.
4. Select Debit Card(s) from the drop-down menu.
5. Click Report Lost or Stolen next to the appropriate card.
6. Once complete, you will have the option to order an additional card.

To replace a lost or stolen Benefits Debit Card using AFmobile^®:

1. Once logged in, tap the More located in the lower-right corner of the app.
2. Scroll down to the Reimbursement Accounts section and tap Debit Card(s).
3. Select the card you want to report, then tap Report Lost/Stolen and follow the prompts to request a replacement card. 

Report a Card Lost/Stolen 

To reactivate your card, you will either need to submit the requested documentation or pay back the transaction.

Note: If your card is no longer active, you may have submitted insufficient documentation for an existing claim.

Learn How to Reactivate Your Card 

A pending transaction requires additional documentation to complete processing. You will receive communication when documentation is needed.

To submit documentation for an existing transaction:

1. Log in to your online account or AFmobile^®.
2. Click on the Reimbursement Account button to navigate to the reimbursement account page.
3. Scroll down to view your Claim Activity and their statuses.
4. Find the claim you need to submit documentation for and click the Add Receipt button.
5. Click Browse to locate the receipt file you are uploading or drag and drop the receipt into the designated box.
6. Click Submit.

No additional action is needed on resolved transactions. Please review your transaction history for reimbursement information.

If you have a spouse or additional qualified dependents, you may request a card for them through your online account, or on our mobile app, AFmobile^®. Here’s how:

Online

1. Log in to your online account.
2. Click the Reimbursement Account button.
3. Hover over your name in the top right corner of the screen, then select Profile.
4. At the bottom of this screen, select Add Family Member.
5. Fill in your spouse or dependent's information and check the box to Issue Dependent Card. 
6. When complete, click Next and Save.

AFmobile

1. Once logged in, tap the More icon located in the lower right corner of the app.
2. Scroll down to Reimbursement Account(s) and select Family Members.
3. Fill in your spouse or dependent's information and check the box to Issue Dependent Card. 
4. When complete, click Next and Save.

To access your Benefits Debt Card PIN number online:

1. Log in to your online account.
2. Click on the Reimbursement Account button to navigate to the reimbursement account page.
3. Hover over your name at the top of your screen and click Debit Card(s).
4. Select the card you want the PIN number for.
5. Select View PIN.
   

To access your Benefits Debt Card PIN number using AFmobile^®:

1. Once logged in, tap the More button located in the lower-right corner of the app.
2. Scroll down to the Reimbursement Accounts section and tap Debit Card(s).
3. Select the cardholder you want the PIN number for.
4. Select View PIN.

If you see any suspicious activity with your Benefits Debit Card, report it within 60 days to dispute the charge immediately. The fastest way to dispute a charge is by completing the form online. Here's how:

1. Log in to your online account.
2. Click the Reimbursement Account button
3. Expand the fraudulent transaction in either the Claim Activity, Transaction, or Account Activity page
4. Select Dispute Charge
5. Complete and e-sign the dispute form

You can also dispute a charge by calling us at 800-662-1113.

Unfortunately, you cannot dispute a charge through AFmobile^® at this time. 

Your documentation should include:

• Explanation of Benefits (EOB) from insurance carrier or,
• Itemized documentation for an expense which should include: 
  
  • Original date of service
  • Description of service rendered or expense
  • Charges for service or expense
  • Provider of service or expense
  • Name of patient who received service or incurred expense

A credit card receipt is not sufficient documentation unless the receipt includes the above information.

Yes. As with other reimbursement accounts, be sure to retain documentation for all medical expenses. You’ll need to provide documentation when submitting a claim, and you may be requested to submit verification of expenses after using your Benefits Debit Card.

Yes, all HRA expenses are required by the Internal Revenue Code (IRC) regulations to be substantiated and adjudicated. This means documentation in the form of itemized receipts, third-party statements, or an explanation of benefits (EOB) must be provided and reviewed for eligibility. 

We request this documentation to comply with the Internal Revenue Code (IRC) regulations.

To be reimbursed for an expense, documentation must accompany your reimbursement claim form. Documentation will be reviewed to determine if the expense is eligible. If the expense is eligible, your reimbursement will be processed with either a check or direct deposit being sent to you. (If you submit your request online, “pay the provider” is an option.)

When a Benefits Debit Card is used for an expense, some of the transactions may have processes that handle substantiation and adjudication automatically. Because not all Benefits Debit Card transactions have the automated process, retain your expense documentation to submit upon request.

When you will not need to submit documentation: When your Benefits Debit Card is used for an eligible expense at a merchant with the Inventory Information Approval System (IIAS), the details needed to verify and approve the transaction will automatically be provided. This will also occur when a Benefits Debit Card transaction is for a dollar-amount co-pay that matches a co-pay in our system provided by your employer or when there is a recurring expense that you have already properly documented. No further documentation will be required.

When you will need to submit documentation: When you pay for an expense out-of-pocket and submit a reimbursement claim online, through our mobile app, or via mail or fax, documentation must be included for the eligibility of the expense to be verified. When your Benefits Debit Card is used for an expense, and it is not at an IIAS-merchant, is not a matching co-pay, and is not a recurring expense – an itemized receipt or documentation must be provided for the eligibility of the expense to be verified. Keep in mind, the date of service must be within the plan year (or grace period, if applicable).

Learn more: Why is Substantiation Required for Certain Debit Card Expenses?

To submit or add documentation for an HRA transaction:

1. Log in to your online account or AFmobile^®
2. Click the Reimbursement Account button.
3. Scroll down to your transactions and navigate to the transaction you want add documentation for.
4. Click the Add Receipt button to upload documentation.
5. Once your documentation is added, click Submit. 

If you have used your Benefits Debit Card to make an HRA purchase, or if you submitted an out-of-pocket reimbursement claim without documentation, you will receive a request for documentation notice. You also may receive this notice if the documentation you submitted was insufficient.

You may receive this notice if:

• Your Benefits Debit Card was used for an expense incurred outside the plan year.
• Your Benefits Debit Card was used for an ineligible expense.
• Your submitted documentation is missing information.

If the documentation cannot be provided or the expense is ineligible, you have three options:

1. Submit itemized documentation for an eligible expense that has not yet been reimbursed to offset the transaction amount.
2. Submit the notice received along with a check in the amount of the transaction to be applied to your HRA account.
3. Pay the expense back 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. Under Balance Due, click Repay Now.
   4. Select the charge and Repay Now or Add a Receipt.
   5. Repay the Full Amount, Partial Amount, or Individual Transaction.

Personal expenses for general health and wellness are not eligible for reimbursement under a Healthcare Flexible Spending Account, a Limited Purpose Flexible Spending Account, a Health Savings Account, or a Health Reimbursement Arrangement. However, some general health and wellness items may be used to treat a specific medical condition. These dual-purpose items require an LMN to qualify as medical expenses under a reimbursement account. A healthcare physician must evaluate and diagnose the condition based on the patient's medical history and symptoms. The LMN must be provided by a medical provider or primary care provider and should include the provider's name and address, the client's name, the diagnosis, the recommended treatment for reimbursement, and a treatment timeframe. LMNs should be submitted annually. An LMN provided by a paid telehealth service that relies on self-reported health information or questionnaires is not a valid LMN.

To file an HRA claim online or using AFmobile^®:

1. Log in to your account.
2. Click the File a Claim button.
3. Under Reimbursement Accounts, select the link to navigate to the reimbursement account page.
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 Attach Claim Receipt as your Validation Method and upload your documentation. 
7. Check the authorization box and click Submit to finalize your claim.

To file a claim by fax or mail, download and complete a Claim Form and include all applicable receipts and documentation. Please note, paper claim filing is not the fastest option.

Reimbursements are typically processed within 3–5 business days after we receive all required documentation.

The fastest way to receive your reimbursement is through Direct Deposit.

To enroll in Direct Deposit 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. After logging in, tap the More icon located in the lower-right corner of the app.
2. Scroll down to Direct Deposit and select Reimbursement Direct Deposit.
3. Follow the prompts to complete the setup.

If you do not sign up for direct deposit, you will receive a check by mail. Note: This method will increase the time it takes to receive your reimbursement.

You can easily view your balance and transaction history online or through AFmobile^®. Here’s how:

1. Log in to your account.
2. Select your account under the Reimbursement Accounts section on your dashboard to see your balance.
3. Click the Transactions drop-down arrow to view your latest transaction history.
4. If you don't see the transaction you're looking for, click View More Transactions for a full list.

No, you may not add documentation to your existing denied claim. You will need to submit a new claim with the correct documentation.