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.
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.
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.
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.
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.
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 the Sigis Store Locator.
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.
- Hover over your username the right side of the navigation bar and select Profile.
- At the bottom of this screen, select Add Family Member.
- 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.
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.
- 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.
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
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.
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.
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.
- 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.
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.
You may view your account information at any time by logging in to your online account. Select your account to review your 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.
Once your claim and all required documentation have been received, the turnaround time for claims processing is generally 5-7 business days.