SF Covered Medical Reimbursement Account (SF Covered MRA)
An SF Covered Medical Reimbursement Account (SF Covered MRA) is a health care spending account for Employees enrolled in a health insurance plan through Covered California. Funds in the SF Covered MRA can be used to pay for Covered California health insurance premiums and co-pays, as well as eligible health care expenses incurred you, your spouse or domestic partner, and your dependents. Some of the many other health care expenses eligible for reimbursement are dental services, vision services, and prescription and over-the-counter medicines.
An Employee may qualify for SF Covered MRA, if the Employee meets ALL of the following requirements:
- Their Employer made at least two contributions to the SF City Option on their behalf in the last six months;
- San Francisco resident;
- Age 18 or over;
- Income at or below 500% of the Federal Poverty Level (FPL);
- Required by law to have health insurance;
- Not eligible for Medi-Cal or Medicare; and
- Purchased health insurance through Covered California
The amount deposited into an SF Covered MRA is intended to cover part of your Covered California health insurance premiums and other insurance costs such as copays and deductibles. The amount your employer contributes to SF City Option goes into a pool to fund a subsidy for you through the program. SF City Option calculates the subsidy amount based on these factors:
- Age; and
- Start date of the Employee’s Covered California health insurance plan year
How to Submit Claims for Reimbursement
You can submit receipts for eligible expenses and SF Covered MRA claim forms online at mymra.wageworks.com or by mail, fax, or mobile app and get reimbursed by check or direct deposit with funds from the SF Covered MRA.
SF Covered MRA Plan Year
You can get reimbursed for eligible health care services received or health care items purchased within your SF Covered MRA plan year. The dates you are covered by your Covered California health insurance plan is your SF Covered MRA plan year. Generally, the plan year is January 1 to December 31. If you purchased health insurance through Covered California after January 1 or during a special enrollment period, the plan year might start after January 1.
Availability of Funds
You can still use your SF Covered MRA after you no longer work for the Employer who made the payments to SF City Option. You can use your SF Covered MRA to get reimbursed for eligible health care services received or health care items purchased during your Covered California plan year. All claims must be submitted by March 31 of the next calendar year. After March 31 of the next calendar year, the SF Covered MRA funds will no longer be available for you to spend. You do not have to pay any fees for having an SF Covered MRA.