Here are a few of the most frequently asked questions about Health Reimbursement Arrangements, also known as HRAs.
What is a Health Reimbursement Arrangement?
An HRA is an account your employer sets up for you to receive reimbursement for eligible medical expenses. HRAs are completely funded by your employer.
What is a Benefits Debit Card?
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 first and then requesting reimbursement.
Where can I use my Benefits Debit Card?
If you have a Benefits Debit Card, you may use it at most health care facilities, including hospitals, physician’s offices, dental offices, and vision offices.
Additionally, many merchants also accept the card. To view a list of participating stores, visit Sigis Store Locator.
How do I file an HRA claim?
To mail your request, complete an HRA Expense Reimbursement Voucher and include all applicable receipts and documentation. Please note, paper claim filing is not the fastest option. File a claim online or through AFmobile to get your money faster.
Eligible expenses generally must have been incurred during the current plan year. Check with your employer for specific rules applicable to your plan.
What expenses can be paid for with an HRA?
This depends on what type of HRA your employer offers.
Under a comprehensive plan, examples of 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, like eye exams, eyeglasses, contact lenses, dental care, and orthodontia.
Your HRA may be set up to provide reimbursement for only deductibles, copayments, or premiums.
To determine your coverage, check with your employer.
How will I receive my reimbursement?
You may select to receive reimbursements as a mailed check or via direct deposit. You will receive your money faster if you enroll in direct deposit.
How can I view my balance and transaction history?
With each reimbursement request you file, you will receive a mailed explanation of benefits that provides account details. These details include a list of your reimbursements, as well as your available balance.
Additionally, you may view your account information at any time by logging in to your American Fidelity online account.
Who is covered by an HRA?
Your employer determines who is eligible to receive reimbursement for eligible medical expenses, but your spouse and other eligible dependents may be included in your plan.
Should I keep my receipts?
Yes. As with other reimbursement accounts, be sure to retain receipts for all medical expenses. You’ll need to provide receipts when submitting a claim, and you may be requested to submit verification of expenses after using your Benefits Debit Card.
What happens to unused money in my account?
At the end of your plan year, the funds remaining in your account will be handled according to the plan your employer established. Please check with your employer for more information.
Are there different types of HRAs?
Yes—there are multiple HRA types, and your employer will select which plan it will offer. Plan types include comprehensive, limited, and retiree.
Can I contribute to my HRA?
No. Only your employer can add funds to your HRA.
For additional assistance or to file an HRA claim, please login to your account: