Health Reimbursement Arrangements (HRA)

A Health Reimbursement Arrangement (HRA) is a plan that can accompany an employer provided group insurance plan (your primary insurance carrier).  An HRA is set up and funded by your employer to reimburse you for qualified healthcare expenses.  At ASi, we have several HRA plans available for your employer to choose from.

ASi Visa® Card

When your employer offers a group coverage plan, such as a High Deductible Health Plan (HDHP), they may choose to also provide a standard HRA.  A standard HRA is a lump sum of funds provided to you from your employer to offset your healthcare expenses.  These funds are typically dispersed onto an ASi Visa® Card. Depending on the design of your employer’s HRA, you will use this card for copays, coinsurance, and deductible expenses.

How To Use Your Plan

STEP 1

When you go to a provider you will give them your primary insurance ID card.

STEP 2

Your provider must submit the services incurred to your primary insurance carrier first.

STEP 3

Once your primary insurance carrier processes the claim, you can then use your ASi Visa® Card to pay for your portion.

What Does it Cover?

Since HRA plans are customizable by your employer, the design for each plan is endless.  In order to determine what services are eligible for coverage/payment, please refer to your plan’s Schedule of Benefits.

Whose Expenses Does It Cover?

Each employer’s plan is set up differently.  Please refer to your employer’s plan information to see who qualifies for coverage.

How Can I View My HRA Funds?

You have 24/7 access to view your account balances and details!

  1. The ASi Employee Portal – A desktop portal where you can view account balances, activity, claim history, and reimbursement history.
  2. The ASi Flex HRA App – A mobile application where you can view your account balances, transactions, and history anytime, anywhere on any iPhone, Android or tablet device.
  3. Contact us! Monday through Thursday 8 a.m. to 5 p.m. PST, Fridays 8 a.m. to 3 p.m. PST

Email: Flexhelp@asibenefits.com
Phone: 559-256-1320 or 866-777-1320

How Can I Submit a Claim?

You have 24/7 access to submit a healthcare claim or documentation for reimbursement!

  1. The ASi Employee Portal – A desktop portal where you can file a healthcare claim, upload receipts/documentation, view claims history, and track expenses.
  2. The ASi Flex HRA App – A mobile application that allows you to submit a healthcare claim, capture and upload pictures of your receipts and documentation anytime, anywhere on any iPhone, Android or tablet device.
  3. Email, Fax, or Mail

Email:  flexhelp@asibenefits.com
Fax:  559-475-5782 or 866-333-1321
Mail: PO Box 5809, Fresno, CA 93755

What Type of Documentation Do I Need to Submit with my Claim?

To ensure proper claim processing and payment, proof of service(s) provided must be submitted.  The IRS requires the following documentation:

  • Provider Name & Address
  • Date of Service (must fall within the plan year), NOT date of payment
  • Service(s) Received or Item(s) Purchased
  • Cost of service or your patient responsibility of the service/item

Some HRA plans require you to send an Explanation of Benefits (EOBs) from your primary insurance carrier.  Check with your employer’s HRA plan information to determine if an EOB submittal is necessary.

Still Have Questions?

Check out our FAQs or contact us!

ASi Member Benefit ID Card

When your employer offers a group coverage plan, such as a High Deductible Health Plan (HDHP), they may choose to provide a secondary coverage plan from ASi.  Your ASi secondary coverage plan helps to offset your out-of-pocket healthcare costs incurred between your primary insurance HDHP and services provided.  This means that when you go to a provider, you will give them 2 benefit cards – one from your primary insurance (the group health plan) and one from ASi. It is very important to give your provider both benefit cards!

How To Use Your Plan

When you go to a provider, you will give them 2 benefit cards – one from your primary insurance and one from ASi. It is very important to give your provider both benefit cards! See the flow chart below to understand how your services get paid.

STEP 1

See a provider for service & give them your 2 benefit cards

STEP 2

The provider will first bill your primary insurance.

STEP 3

Your primary insurance carrier will send you and your provider an Explanation of Benefits (EOB). The EOB gives you all the details regarding your healthcare visit. It also summarizes what is owed.

STEP 4

Your provider may then bill ASi as your secondary insurance. You should also submit that EOB to ASi.

STEP 5

ASi will then process your claim and make payment on eligible services directly to the provider*.

You will still be financially responsible for your share of the deductible, co-payments, and ineligible services.  

*In some cases, we make claim payments to you, the participant.  You will need to indicate to us that you have already paid the provider in full before we will directly make a reimbursement payment.

What Does it Cover?

Since HRA plans are customizable by your employer, the design for each plan is endless.  In order to determine what services are eligible for coverage/payment, please refer to your plan’s Schedule of Benefits.   

Whose Expenses Does It Cover?

Each employer’s plan is set up differently.  Please refer to your employer’s plan information to see who qualifies for coverage.

How Can I Submit a Claim?

Email, Fax, or Mail
Email: claims@asibenefits.com,
Fax: 559-475-5780 or 866-333-1321
Mail: P.O. BOX 5809, Fresno, CA 93755

What Type of Documentation Do I Need to Submit with my Claim?

To ensure proper claim processing and payment, the primary carrier EOB must be submitted.  If you do not have a primary carrier EOB for your services, please send us an itemized statement that includes the following information:

  • Patient Name
  • Provider Name & Address
  • Date of Service (must fall within the plan year), NOT date of payment
  • Service(s) Received or Item(s) Purchased
  • Cost of service or your patient responsibility of the service/item

Some HRA plans require you to send an Explanation of Benefits (EOBs) from your insurance carrier.  Check with your employer’s HRA plan information to determine if EOB submittal is necessary. 

Still Have Questions?

Check out our FAQs or contact us!

HRA Plans Without A Visa® or Member ID Card

For more information about your benefit plan, please fill out the submission form below.  One of our knowledgeable team members will contact you within 24 hours.