Health Reimbursement Arrangement
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A Health Reimbursement Arrangement is a medical expense reimbursement account to which only your employer makes contributions.

Learn How to Unblock Your Benefits Debit Card 

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.

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.

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.

You may file a claim for reimbursement through your online account or with AFmobile®. Simply log in to your account to get started, or download AFmobile from the Apple App Store or Google Play Store.

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.

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.

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.

Enroll in Direct Deposit Online 

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.

View a List of Transactions

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.

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.

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.

Yes—there are multiple HRA types, and your employer will select which plan it will offer. Plan types include comprehensive, limited, and retiree.

No. Only your employer can add funds to your HRA.

For additional assistance or to file an HRA claim, please login to your account: