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.
A reimbursement account is established by your former employer or benefits provider to manage and disburse funds allocated for reimbursing your qualified health care expenses. Only your former employer can contribute to this account; individuals can't add their own funds.
Your former employer sets criteria for funding eligibility and determines which expenses are reimbursable. To learn how to access information about qualifying for funding, read Locating Your Reimbursement Account Details and Qualification Requirements. If your former employer hasn't set restrictions on what's reimbursable, read Eligible Medical Expenses to verify what expenses may be eligible.
Your former employer also determines if funds remaining in your account at the end of the year roll over to the next year. Read Reimbursement Request Deadlines to learn more.
Via Benefits suggests a few ways to improve your experience while using your reimbursement account:
Automate your premium reimbursement
Set up direct deposit
Update your notification settings for email and text
Who May Request Reimbursement
Who may request reimbursement from your account is determined by your former employer. 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.
The summary plan description provided by your former employer may provide more information about the account.
Joint and Separate Reimbursement Accounts
Your former employer or benefits provider determines whether you have a joint account or 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. The balance reflects the total available funds for both of you.
The primary participant is the account holder. All communications regarding your reimbursement account are addressed in the name of the account holder. Reimbursement account access, available on the website or mobile app, and on reimbursement request forms, is in the account holder's name. The individual serviced is the person for whom the expense was incurred. Any approved reimbursements for either you, your spouse, or dependents are taken from your joint funds until they're exhausted. If you sign up for direct deposit, all reimbursements from a joint account go into the same bank account (selected by you).
Separate Accounts
Having separate reimbursement accounts means you and your spouse each receive a funding contribution into separate accounts. You each submit your reimbursement requests through your own account. Reimbursement account access, available on the website or mobile app and reimbursement request forms, is in the account holder's name. Typically, you can't submit reimbursements on your spouse’s account when you have a separate account. Go to your reimbursement account to view your account information.
Note: If you receive your Reimbursement Guide and can't see your funding information on the mobile app or website, please contact us.
*Via Benefits reimbursement accounts are administered by Extend Health, LLC.