Health Reimbursement Arrangement
A Health Reimbursement Arrangement is a medical expense reimbursement account to which only your employer makes contributions.
Here are a few of the most frequently asked questions about Health Reimbursement Arrangements, also known as HRAs.
How do I access my HRA online?
If you already have an American Fidelity online account, simply log in to your account and select Access My Reimbursement Account. If you have not created an account, click here to register now. Then, follow the prompts to complete the registration process. You will use this same registration information on the mobile app, AFmobile®.
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 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.
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.
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.
Benefits Debit Card
My Benefits Debit Card was lost or stolen. How do I get a new one?
My Benefits Debit Card is blocked. How can I reactivate it?
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 the Sigis Store Locator.
How do I request additional debit cards for my family members?
If you have additional debit card users, you’ll need to request cards for them through your online account. Here’s how:
- Log in to your online account.
- Select the Access My Reimbursement Account button.
- Click your Username on the right side of the navigation bar.
- From this page, you can add or update an existing dependent, as well as manage other account details.
- When adding a family member, the dependent or spouse’s Dependent ID is their Social Security number.
- In the Add Family Member window, select the box to Issue Dependent Card.
- When complete, click Next and Save.
Why do I have to submit receipts for every HRA claim?
The Internal Revenue Code (IRC) regulations have requirements stating that expenses must be substantiated using itemized receipts, third party statements, or an Explanation of Benefits. To comply with IRC guidelines, we request documentation of your expense to verify the eligibility of the purchase.
How do I submit documentation to an existing HRA claim?
- Log in to your online account or AFmobile
- Select the Additional Documentation button
- Select Reimbursement Account(s)
- Select the pending transaction and click Add Receipt to upload documentation.
What information does a claim documentation or receipt need to include?
Your documentation or itemized receipts should include:
- Original date of service
- Description of service rendered or expense
- Charges for the service or expense
- Provider of the service or expense
- Recipient of the service or expense
Why did I receive a “request for documentation” letter in the mail?
You will receive a request for documentation via mail if you used your Benefits Debit Card to make a HRA purchase, or if you submitted an out of pocket reimbursement claim without a receipt. You also may receive this letter if the documentation you submitted wasn’t sufficient.
These letters are sent the day after a purchase is made or when the claim is reviewed and determined to be missing documentation or containing insufficient information. So, when receiving this letter, you may have already submitted the necessary documents.
Why did I receive an “ineligible” or “insufficient documentation” letter, and what should I do now?
You will receive this letter if your Benefits Debit Card was used for an expense incurred outside the plan year, an ineligible expense, or if the documentation you submitted was insufficient.
When the documentation cannot be provided or the expense is ineligible, you have three options:
- Submit a different itemized receipt to offset the transaction amount.
- Contact American Fidelity to make a credit card payment.
- Submit a check in the amount of the transaction to be applied to your HRA.
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.
How do I file an HRA claim?
- Log in to your online account
- Click on the Access My Reimbursements button
- Choose Add Claim on the Claims dropdown
- Complete the claim form
- Upload receipt
- Click the Submit button
- Touch the Submit Reimbursement button on the AFmobile dashboard
- Complete the Claim Form
- Upload receipt
- Click the Submit button
Eligible expenses generally must have been incurred during the current plan year. Check with your employer for specific rules applicable to your plan.
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?
You can also view your account information from our app, AFmobile®. You will be able to view your account balance from the dashboard, or, click on your reimbursement account to view a complete transaction history.
When will my claim be paid?
Once your claim and all required documentation have been received, the turnaround time for claims processing is generally 5-7 business days.