How do I file a claim?

Log in online or from our mobile app, HRAgo®, and click Claims. Be prepared to upload proper supporting documentation (proof). IRS rules require us to verify every expense. You can file claims at any time for expenses incurred on or after your claims eligibility date.

To learn more, watch our How to File a Claim video.

What type of documentation is required?

Usually the Explanation of Benefits from your insurance company works best and has everything we need. If you don’t have one of those, ask your service provider for an itemized invoice. They should be familiar with what we need. Most expenses require these five things:

1. Patient name (you, your spouse, or dependent);
2. Date you received the medical care or purchased a qualified healthcare item;
3. Service provider name (doctor, pharmacy, clinic, or hospital);
4. Description of the service or item; and
5. Amount you paid or owe out of pocket.

To learn more, watch our Supporting Documentation for Claims video.

How long does it take to process a claim?

Standard claims processing takes five to seven business days.

How are claims payments issued?

Payment is issued by direct deposit (if set up) or paper check. Direct deposit is more secure and faster than waiting for paper checks in the mail. To set up direct deposit, log in and click My Profile.

What types of medical care expenses can be reimbursed?

Expenses must qualify under Section 213(d) of Internal Revenue Code. Common examples include doctor visits, prescriptions, dental, vision, orthodontia, chiropractic, medical equipment, emergency services, and hundreds more.

Qualified premiums include amounts paid for medical, dental, and vision insurance, Medicare Part B, Medicare Part D, and Medicare Supplement coverage. Reimbursement of tax-qualified long-term care insurance premiums is subject to annual IRS limits. These limits are indexed to inflation and updated annually.

Qualified premiums deducted from your paycheck after taxes are eligible, unless your employer offers a pre-tax option. Premiums deducted from your spouse’s paycheck after taxes may be eligible. Premiums deducted from a pension benefit or paid directly are generally eligible. Marketplace exchange premiums subsidized by the Premium Tax Credit cannot be reimbursed.

For more details, log in, click Resources, and look for Medical Care Expenses. Certain limitations may apply.

Can my retiree premiums be reimbursed automatically?

Yes, we can automatically reimburse most monthly insurance premiums, including Medicare premiums. Just log in, click Claims, then click Set Up an Automatic Premium Reimbursement. You can also do this from our mobile app, HRAgo®. If you’d rather use a paper form, download and print our Automatic Premium Reimbursement form, or request one from our Customer Care Center.

To learn more, watch our How to Set Up an Automatic Premium Reimbursement video.