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| Q |
What is an HRA? |
| A |
An HRA is an IRS-approved tax-favored benefit that reimburses employees for qualified medical care expenses not reimbursed by an employer's health plan. Benefits include but are not limited to:
- Co-payments
- Co-insurance
- Prescription drugs
- OTC medicines
- Out of pocket medical expenses
- Dental/Vision expenses
- Premiums (Health, LTC, LTD)
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| Q |
How does the HRA work? |
| A |
On a regular basis, your employer contributes a pre-determined amount to an account on your behalf. You have access to that account through the submission of reimbursement request for qualified medical expenses. Qualified medical expenses are defined in the benefit materials you received. |
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| Q |
Who is eligible to participate in the HRA? |
| A |
Please refer to the eligibility information by referencing the benefit materials you received. |
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| Q |
How much will be contributed to my HRA? |
| A |
The maximum annual contribution is determined by your employer's plan document. There may also be a cap amount for the HRA. Please refer to the benefit materials. |
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| Q |
What is needed for reimbursement? |
| A |
In order for a reimbursement request to be processed, items needed for reimbursement are:
- A completed HRA reimbursement request form
- A copy of an explanation of benefits form (EOB), statement, bill or receipt showing the type of service, date of service and amount of service provided.
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| Q |
Do I need to send original documentation with my reimbursement request form? |
| A |
No. Copies of statements, bills, or receipts are sufficient. |
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| Q |
What is your fax number/mailing address for reimbursement requests submission? |
| A |
To ensure that each reimbursement request is handled according to the
requirements and needs of our clients and their employees, a specific mailing
address and toll-free fax number have been provided on the reimbursement
request form for your account. Log on to www.myFBMC.com to obtain the forms or
find out how to contact FBMC by visiting the Contact Customer Care section of this website.
When you send a fax, save the confirmation sheet that is printed at your fax
machine. This sheet shows whether the fax was sent successfully to FBMC. It
also shows the date and time the fax was sent, and the number to which it was
faxed. These help us locate your faxed information if you call us regarding a
claim. You should also make a copy of the material you plan to fax before you
fax it. You can tell by looking at the copy how the material will look to us
when we receive it. If you can’t read your copy, we will not be able to read
your fax. |
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| Q |
What happens to unused fund balances? |
| A |
Unused fund balances may be rolled over to the next coverage period depending on your employer's plan design. The amount of the rollover is determined by your employer's plan design. Please refer to the benefit materials. |
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| Q |
When can I start submitting requests for reimbursement? |
| A |
Requests for reimbursement can be submitted at the start of your plan year. For example, if your plan year starts January 1st, you may start sending charges incurred from that date. |
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| Q |
What is the turnaround time for reimbursement requests processing? |
| A |
The normal turnaround time for reimbursement requests processing is five business days from the date a reimbursement request is received. However, bear in mind that depending on the design of your particular plan, funds may need to be available in the account prior to reimbursements being issued. |
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| Q |
Where can I obtain additional forms? |
| A |
You may download forms by logging in to your account, then click on the Forms and Instructions link under the Claims tab in the menu at the top of the page. Find out how to contact FBMC by visiting the Contact Customer Care section of this website. |
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| Q |
How can I check on the status of my reimbursement? |
| A |
You may check the status of your request online by first logging in, then click on the Claims tab on the menu bar and select Claims Status. Once the new page loads, you can select an option from the drop-down menu in the center of the page. |
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| Q |
How long does a direct deposit take to be posted to my account? |
| A |
The standard turnaround time for deposit into your account is 48 business hours from the time FBMC transmits the entries. |
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| Q |
My claim was denied, what do I need to submit? |
| A |
Not all services rendered are reimbursable under the HRA. A partial listing of eligible expenses can be located in your "Benefit Enrollment Material." If your service was an eligible expense listed, you can receive a detailed reason for the denial of your claim by checking your account online. After logging in to your account, click on the Claims tab in the menu bar, then select Rejection Codes/Explanations. A detailed explanation of what was denied is provided underneath the service rendered. All resubmissions require an HRA claim form along with the requested documentation and can be faxed/mailed to FBMC.
Fax toll-free: Visit the Contact Customer Care section of this website for information.
Fringe Benefits Management Company
P.O. Box 1800
Tallahassee, FL 32302-1800 |
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| Q |
What is a Letter of Medical Need? |
| A |
The IRS guidelines governing this plan require that expenses for medical procedures and services reimbursed through a HRA must be primarily for the diagnosis, treatment or prevention of disease or for treatment(s) affecting any part for function of the body. For example, some services that may be deemed cosmetic in nature but primarily treat a medical condition may require a letter detailing the type of service rendered and the treatment necessary. You may download this form to be signed by your physician by logging in to your account, then click on the Claims tab on the menu bar and select Forms and Instructions. You can then download the Letter of Medical Need PDF from the list of items on that page. |
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| Q |
How do I receive my reimbursements direct deposit? |
| A |
You may download the direct deposit enrollment form by logging in to your account, then click on the Claims tab on the menu bar and selecting Forms and Instructions. Once the new page loads, you can download the Direct Deposit PDF from the list. After completing this form you may mail or fax it to FBMC. |
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| Q |
What should I do if I closed my bank account and have a direct deposit account with FBMC? |
| A |
It is your responsibility to notify FBMC immediately of any changes in your account, such as account closure or change in account number. You will also need to submit a new Direct Deposit form to FBMC. This form should be faxed or mailed to:
Enrollment Processing
PO Box 1800
Tallahassee, FL 32302-1800 |
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| Q |
Where can find a list of eligible expenses? |
| A |
FBMC has purchased a License Agreement from Employee Benefits Institute of America Inc. (“EBIA”) granting FBMC a limited, nonexclusive, nontransferable right to place a link to EBIA’s Health Care Expenses Table (the “Table”) on FBMC’s Web site so that when you click on this link, the Table will be displayed. EBIA will update the Table periodically. The Table provides general information and is made available with the understanding that neither EBIA (the publisher) nor FBMC is engaged in rendering legal, accounting, or other professional service. If tax or legal advice is required, the services of a competent professional should be sought. Even though the Table indicates that an item is a qualifying (or potentially qualifying) expense in compliance with Treasury regulations and IRS guidance, the Table is only provided as a helpful guide. Refer to your Employer's current plan year enrollment /communications materials, plan documents and Summary Plan Descriptions (SPDs) for additional information as to whether an item is reimbursable.
Click here to access the table. |
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| Q |
Can I be reimbursed for prescription drugs purchased from a foreign country such as Canada? |
| A |
It is currently illegal to purchase prescriptions from another country for use while in the US, and therefore this is not a covered expense. However, if you are seeking medical treatment in another country and you obtain prescriptions to be used while in that country in conjunction with your treatment, these prescriptions are reimbursable through the MFSA account. When you submit your claim, you must include English translations for any foreign receipts that are not in English. Also, you must convert the cost to the applicable U.S. dollar amount, using the currency exchange rate as of the date that the service was actually provided. |
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