You will receive a welcome email from your employer to create your profile and set up your account. If you lose or delete the email, you can ask your employer to re-send your invite or contact us at clientservices@benafica.com or call 651-358-2985.

Yes, you need to sign up for individual health insurance or receive health insurance from a spouse's group plan in order to qualify for reimbursements through the QSEHRA. Please refer to the question "What insurance qualifies?" and "What expenses are eligible for reimbursement?" below.

You need to enroll in an ACA-compliant individual or family health insurance plan on or off the exchange. Here's what qualifies as eligible coverage:

Qualified Coverage:

• ACA-compliant Individual Insurance Plan
• Spouse's Group Plan
• Parent's Group Plan
• Medicare and Medicaid

Unqualified Coverage:

• Cash Benefit Plan
• No Insurance

Specific expenses will depend on your employer, but you can expect your insurance premiums to be eligible. Depending on your employer, you can also expect to be reimbursed for deductibles, co-pays, prescriptions, and qualified medical expenses.

• Payee (Insurance Company or Provider)
• Name of Insured
• Coverage Type or Service
• Coverage Service Date(s)
• Amount You Paid
• Evidence of Payment

Once submitted, your claim will be reviewed, and once it's approved, the reimbursement amount is sent directly to your bank account.

If you've signed up for individual insurance from the ACA Marketplace, you'll be able to keep your coverage, but you'll no longer receive reimbursements for the premium or any out-of-pocket medical expenses. For a spouse's group plan, you'll no longer receive reimbursements for out-of-pocket medical expenses.