Standard claims processing takes five to seven business days. Payment is issued by direct deposit (if set up) or paper check. To set up direct deposit, log in and click My Profile.

When you’re ready to 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. 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.

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.

If online claims aren’t your thing, download and print a paper Claim Form, or request one from our Customer Care Center.

To learn more, watch our How to File a Claim and Supporting Documentation for Claims videos.

Are you retired? 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.

Documentation must include the name of the policyholder or covered individual(s), premium amount, policy period, and insurance provider name. You can usually find all of this information on your premium billing notice, statement of insurance, open enrollment notice, or pension benefit direct deposit stub.

To learn more, watch our How to Set Up an Automatic Premium Reimbursement and Supporting Documentation for Claims videos.