Employer Payments

Your Employer should have sent a Health Care Payment Confirmation Notice to you after the first payment on your behalf. Our program also sends information to you by mail within 1-3 weeks of your Employer’s first payment.

If you have questions about whether your Employer has made a payment to the SF City Option Program, please contact your Employer or or email info@sfcityoption.org.

If you feel that you should be receiving some type of health benefit (health insurance, City Option benefit, or other benefit) please reach out to the Office of Labor Standards Enforcement at 1(415) 554-7892 or by email at HCSO@sfgov.org.

Complete an SF MRA Enrollment Form to find if you are eligible for an SF MRA.

  • If you work in San Francisco or SFO International Airport you might be eligible for SF Medical Reimbursement Account (SF MRA).
  • Funds in an SF MRA may be used for eligible health care expenses, including out-of-pocket cost related to medical, dental, and vision care products and services.

If you have additional questions, email info@sfcityoption.org.

SF Medical Reimbursement Account (SF MRA) for Employees

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 excellent health. Your spouse, domestic partner, and any dependents can also access these funds.

You can still use your SF MRA after you no longer work for the Employer who made the deposits. SF MRA funds are available to spend as long as your account is active. Keep your account active by submitting at least one SF MRA claim every 36 months.

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 Click here.

There is a $3.15 administrative fee subtracted from your MRA each month, whether or not you use your SF MRA that month.

Only health care expenses incurred on or after the effective date of your SF MRA are eligible for reimbursement. Your SF MRA effective date is the date an employer’s first payment for you clears in our system.

Yes, health insurance premiums, co-payments, health care payments, and deductibles are among the many health care expenses eligible for reimbursement from SF MRAs.

You may qualify for SF MRA if your employer makes payment to SF City Option on your behalf. Complete our eligibility survey.

Click here for information on how to enroll in SF MRA.

The San Francisco Health Commission approved a policy in January 2022 to permanently close employee accounts that have not been used for a 3-year consecutive period. Any funds in those account will also be permanently reverted to the City and County of San Francisco. This policy is consistent with existing state law (Government Code 50050).

The policy is effective March 1, 2023. That means the SF City Option program will begin tracking accounts that have had no activity for a three-year consecutive period beginning March 1, 2023, and beyond. The earliest any accounts could potentially be permanently closed is April 2026.

To learn more about this policy, Click here.

Email info@sfcityoption.org to see whether you have an SF MRA.

Only health care expenses incurred on or after the effective date of your SF MRA are eligible for reimbursement. Your SF MRA effective date is the date an employer’s first payment for you clears in our system.

There is a $3.15 administrative fee subtracted from the available funds in each SF MRA monthly, whether or not you use the account that month. Administrative fees will not be subtracted from the account if the available balance is less than $3.15.

Click here for information on how to access your SF MRA.

You may submit receipts and claim forms online or by mail, fax, or mobile app and get reimbursed by check or direct deposit. For detailed information, please visit the How to Access Your Funds page.

Click here to view a detailed list of health care expenses eligible for reimbursement under the SF MRA. Doctor’s office visits, co-pays, health insurance premiums, eyeglasses, and contact lenses, and prescription and over-the-counter medicines are among the many expenses eligible for reimbursement.

Claims are usually processed within 3 to 5 business days after claim submission.

If you submit a claim that is greater than the balance of your account, the claim is paid up to the available balance.

No, you may submit a claim for as little as $0.01 and can still get reimbursed by check or direct deposit for the claim.

No, you may be reimbursed by check or direct deposit for as little as $0.01.

Funds will be available in your SF MRA 1-3 weeks after each employer payment to our program.

You can still use your SF MRA after you no longer work for the Employer who made the deposits. SF MRA funds are available to spend as long as your account is active. Keep your account active by filing at least one SF MRA claim every 36 months.

Our program will close the SF MRA and you will not be able to spend the SF MRA funds if there have been no claims or deposits in over 36 months.

You may continue to use your active SF MRA to submit claims for reimbursement even after you no longer work for the Employer.

Please call HealthEquity/WageWorks, our partner who maintain the accounts, at 1(866) 697-6078 for your account balance. You may also check your account balance online at participant.wageworks.com/sfmra.

Please call HealthEquity/WageWorks, our partner who processes the claims, at 1(866) 697-6078 to check on the status of your claim. You may also check the status of claims at at participant.wageworks.com/sfmra.

HealthEquity/WageWorks Customer Service is available 24 hours a day, 7 days a week to answer your specific questions about Medical Reimbursement Accounts. Please call HealthEquity/WageWorks Customer Service at 1(866) 697-6078.

Yes, you can still access your SF MRA account and submit claims for eligible expenses, even if you move out of state or to another country. When you submit your claim to HealthEquity/WageWorks, your claim documentation and proof of payment must be in English, and the claim amount in dollars.