About SF MRA

In San Francisco, local laws require many employers to provide health benefits for eligible employees. San Francisco City Option is a health benefit program that employers choose for workers, as a way for the employer to legally comply with the City of San Francisco ordinances.

What is SF MRA?

Your San Francisco Medical Reimbursement Account (SF MRA) is a benefit within the SF City Option program. Funds in an SF MRA come from the employer. Funds can be used to reimburse you, your spouse or domestic partner, and your dependents for eligible health care expenses.

• Funds in an active SF MRA account remain available to you, even if you leave your employer or move locations. Your medical history remains confidential.
• You must submit at least one SF MRA claim in 36 months to keep your account active. If you don’t submit a claim within that period, your account will be permanently closed.

You can learn more about the account closure policy.

How SF MRA Works?

1. An employer participating in the program deposits funds to SF City Option on behalf of eligible employees.
2. Your employer should give you a Health Care Payment Confirmation Notice to notify you of the deposit they made.
3. Next, you must enroll in SF MRA. Your funds cannot be accessed until you enroll in the SF MRA benefit.
4. If enrollment is approved, you will receive an SF MRA welcome letter listing your account number and other important details.
5. Next, register your account online with HealthEquity/WageWorks (for online users only).
6. Once an account is active, you can submit a claim for reimbursement with HealthEquity/WageWorks to be paid from the funds that are available in your SF MRA.

HealthEquity/WageWorks handles all reimbursement. Reimbursement takes 3-5 business days and is sent by direct deposit to your bank account or by check.