SF City Option gives hard-working people who are employed in San Francisco access to money they can use to get reimbursed for health insurance and other health-related expenses. The ultimate goal of the SF City Option and SF MRA program is to help participants achieve and maintain their best health and wellness by providing funds to help with health-related expenses.

The SF MRA program gives you access to funds so you can get reimbursed for health insurance and other health-related expenses. The ultimate goal of the SF MRA program is to help you achieve and maintain your best health and wellness without worrying about how you’re going to afford key health-related expenses. Your spouse, domestic partner, and any dependents can also access these funds.

Program Summary

San Francisco’s Health Care Security Ordinance and Healthy Airport Ordinance requires certain employers operating in San Francisco and at San Francisco International Airport provide a health benefit for their eligible employees.

An employer participating in the SF City Option Program sends payments to SF City Option on behalf of their eligible employees. Employees might be eligible for the SF Medical Reimbursement Account (SF MRA). The employee must complete the SF MRA Enrollment Form to find out if they are eligible for the SF MRA. The employer’s payments for each employee are unassigned until the employee enrolls in an SF MRA.

As of January 2022, SF MRA has paid out over $500 million to participants to help them cover health-related expenses and help them maintain excellent physical and mental health.

SF MRA funds provide reimbursement for health and medical expenses, services, and products for:

  • You (known as a ‘participant’ in the SF MRA program).
  • Your spouse or domestic partner.
  • Your children or dependents.

Enrollment takes place by filling out a form online or by mail. Reimbursement takes 3-5 business days. A separate company, HealthEquity/WageWorks, handles reimbursement. Reimbursement takes place by direct deposit to your bank account or by check.

Funding for SF MRA comes from your employer.
You can use your SF MRA to get reimbursed for health insurance and insurance deductibles. Have you been putting off a visit to a doctor, dentist, optometrist, or medical professional? Use your SF MRA to get reimbursed for this visit. You can use SF MRA for mental health-related expenses.

Why does the SF MRA program exist?

To help participants maintain great health and to make people who work in San Francisco the healthiest in the United States. You can use your money from SF MRA to help prevent medical issues through routine check-ups and preventative products and services. The money in your active account remains available to you, even if you leave your employer. Your medical history remains confidential.

Had an accident or unexpected medical expense?

Use your SF MRA funds. You can even use your SF MRA for prescriptions, over-the-counter medicines, and dietary supplements.

Make at least one SF MRA claim every 24 months to keep your account active. If you don’t make a claim in that period, the money will be deactivated. Reactivate your account by calling SF City Option Customer Service at 1(877) 772-0415.

SF MRA is not part of the Heathy San Francisco program. The money in your SF MRA is yours. So, make the most of it!

If you have an SF MRA account, you’re a “participant” in the program.