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 by the Employee, the Employee’s spouse or domestic partner, and the Employee’s 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 contributions to the
SF City Option on their behalf;
• 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
The amount deposited into an SF Covered MRA is intended to cover part of the Employee’s Covered California
health insurance premiums and other insurance costs such as copays and deductibles. The amount an employer contributes to SF City Option on behalf of eligible SF Covered MRA participants goes into a pool to fund subsidies 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
Employees can submit receipts for eligible expenses and claims 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
An Employee can get reimbursed for eligible health care services received or health care items purchased within the Employee’s SF Covered MRA plan year. The dates the Employee is covered by the Employee’s Covered California health insurance plan is the SF Covered MRA plan year. Generally, the plan year is January 1 to December 31. If the Employee 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
Employees can still use their SF Covered MRAs after they no longer work for the Employer who made the payments to SF City Option. Employees can use their SF Covered MRA to get reimbursed for eligible health care services received or health care items purchased during their 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 the Employee to spend. The Employee does not have to pay any fees to have an SF Covered MRA.