How Your Reimbursement Account Is Set Up
This article applies to you if you have a Via Benefits reimbursement account (sometimes known as a Health Reimbursement Arrangement).*
How Your Account is Set Up
If you're eligible for a reimbursement account, Via Benefits will send you a Reimbursement Guide within two weeks of your plan’s effective date. If you’ve received your guide but don’t see your funding information in the mobile app or on the website, please contact us.
A reimbursement account is set up by your former employer or benefits provider to manage and disburse funds allocated for reimbursing your qualified healthcare expenses. Only your former employer can contribute to this account; individual contributions aren't allowed.
Your former employer sets the rules for funding eligibility and determines which expenses are reimbursable. For more information about qualifying for funding, read Locating Your Reimbursement Account Details and Qualification Requirements. If your former employer hasn't placed restrictions on reimbursable expenses, review Eligible Medical Expenses to confirm what may be covered.
Your former employer also decides whether unused funds roll over to the next year. Read Reimbursement Request Deadlines to learn more.
To get the most out of your reimbursement account, Via Benefits recommends that you:
Automate your premium reimbursement
Set up direct deposit
Update your notification settings for email and text
Read Manage Your Reimbursement Account for more information.
Who May Request Reimbursement
Your former employer determines who is eligible to request reimbursement from the account. The employer may allow:
Only the account holder
The account holder and named dependents
The account holder and any eligible dependents
Visit irs.gov to confirm whom you may claim as a dependent.
For more details about your account, consult the summary plan description provided by your former employer.
Joint and Separate Reimbursement Accounts
Your former employer or benefits provider determines whether you have a joint account or a separate account.
Joint Account
A joint reimbursement account means you and your spouse share one account. All contributed funds for both you and your spouse, if applicable, are deposited into this shared account, and the balance reflects the total funds available to both of you.
The primary participant is the account holder. All reimbursement-related communications are addressed to the account holder, and access to the account (via the website, mobile app, or reimbursement request forms) is listed under the account holder's name.
The individual serviced is the person for whom the expense was incurred. Approved reimbursements for you, your spouse, or your eligible dependents are withdrawn from your shared funds until the balance is exhausted.
If you sign up for direct deposit, all reimbursements from the joint account will be deposited into the same bank account you designate.
Separate Accounts
With separate reimbursement accounts, you and your spouse each receive funding into your own individual account. Each of you submits reimbursement requests through your respective account.
Access to each reimbursement account (via the website, mobile app, or reimbursement request forms) is listed under that specific account holder’s name. In most cases, you can't submit reimbursement requests on your spouse’s behalf when separate accounts exist.
If you sign up for direct deposit, you can choose to have reimbursements from separate accounts deposited into separate bank accounts or into the same bank account. Whichever works best for you.
To review your balance, available funds, or reimbursement details, visit your reimbursement account.
*Via Benefits reimbursement accounts are administered by Extend Health, LLC