Featured
Exciting News!
The new MyEmeritiHealth Portal is live!
Get easy online access to your account and investment information, and manage claims seamlessly — all in one place.
Resources
The following resources are designed to help provide you with a streamlined, easy-to-use retiree health experience.
Frequently asked questions (FAQ)
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How do I get a benefits card to use for healthcare purchases?
If you are eligible, you will receive a benefits card automatically.
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What expenses are reimbursable?
Eligible medical expenses are defined under Internal Revenue Code Section 213(d). Please refer to IRS Publication 502 to learn more regarding eligible medical expenses. The following is a list of common reimbursable eligible medical expenses:
- Premiums for health insurance coverage, including COBRA and long-term care but excluding coverage for active employees under an employer-sponsored group health plan
- Medicare premiums, deductibles, and coinsurance
- Out-of‐pocket costs related to durable medical equipment, vision, dental and hearing aids
- Out-of-pocket hospital and surgical expenses
- Certain out-of‐pocket costs associated with nursing or in‐home healthcare services
- You can also refer to this user-friendly list to confirm that your product or service is reimbursable.
https://fsastore.com/fsa-eligibility-list/
How can I get reimbursed for my claims?
Please call 1-866-EMERITI (1-866-363-7484) Monday through Friday 8:00 AM – 8:00 PM, ET
Why is my account not claims active?
Your plan sponsor has not yet provided us with a term date or retirement healthcare status. Please reach out to your plan sponsor or we will reach out to your plan sponsor to update
Why was my account forfeited?
You did not meet the age or years of service requirement as defined by your plan sponsor. Please contact your benefit office if you have additional questions
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Who is eligible for the Emeriti Reimbursement Benefit?
A participant who terminates from employment and is vested in their former employer’s Emeriti Retirement Healthcare Savings Plan (the Plan), is eligible for reimbursement of qualified medical expenses (QMEs) incurred after their termination date. Qualified medical expenses incurred by the participant’s spouse or other eligible dependents after the participant’s termination date (or date of death, whichever comes first), may also be reimbursable.
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What if I return to work with my employer?
If your employer reemploys you, your right to receive benefits under the Plan is suspended until the first day of the month following your subsequent termination of employment. However, your account will participate in the investment earnings of the underlying mutual funds in which the account is invested.
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Who qualifies as an eligible plan dependent?
A medical expense incurred by an eligible participant’s dependent may be reimbursable under the Emeriti Healthcare Savings Plan. A dependent usually includes a spouse and children under the age of 26. If your Plan permits, expenses incurred by other dependents may also be reimbursable according to Internal Revenue Code requirements. If your Plan permits, eligible medical expenses incurred by a non-dependent domestic partner may be reimbursable under the Emeriti Health Plan on a taxable basis. See IRS Publication 502 for more detail regarding eligible reimbursable medical expenses and eligible dependents.
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What is considered adequate proof of payment and substantiation of my claim(s)?
An Explanation of Benefits (EOB) from your insurer or a receipt of payment for the medical expense (or insurance premium) will substantiate your claim. The EOB or receipt must show the Date of Service, the Patient’s Name, the Service Provider’s Name, a description of the Qualified Medical Expense, and the amount requested for reimbursement.
For prescribed, over‐the-counter medicines and drugs, you must also include a copy of the doctor’s prescription or a printed Rx number on the health expense receipt.
For personal protective gear used to prevent the spread of the coronavirus, or for menstrual products and over-the-counter medications prescriptions are not required.
Canceled checks or credit card statements are not acceptable proofs of payment.
Claims documentation must have the following:
- Patient Name
- Date of Service
- Provider Name
- Description of Service
- Amount
Good examples of claims documentation:
- EOB
- Rx label
- Itemized provider bill
- Medicare Part B/D letter
- Insurance carrier premium bill
Insurance Premium documentation must include:
- Insured’s Name
- Insurer’s name
- Coverage Period
- Type of Insurance
- Premium Amount
Examples of documentation that is not acceptable:
- Credit card receipts
- Cancelled checks
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How long do I have to submit a claim for reimbursement?
Claims must be submitted for reimbursement within 12 months following the end of the calendar year in which the expense was incurred. For example, an expense incurred on November 1, 2025 must be submitted by December 31, 2026.
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How do I submit a reimbursement request for health plan premiums in advance?
You may be reimbursed for prepaying insurance premiums up to 12 months in advance. You will need to submit an insurance statement that specifies your contracted premium amount for the year or for the defined coverage period for which you are requesting reimbursement. Along with your insurance statement, you must submit proof that you have prepaid premiums to the insurance carrier.
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Can I set up recurring reimbursements?
Yes.
You can send a one-time claim submission for your insurance premiums that will be used to reimburse you monthly. You will need to submit an insurance statement that specifies your contracted premium amount for the year or for the defined coverage period for which you are requesting reimbursement. Likewise, for reimbursement of Medicare Part B and/or Part D premiums, you will need to provide a copy of your annual Social Security statement that is mailed to you. You can also download your statement online at medicare.gov.
Recurring payments are released at the beginning of the month for the prior month’s coverage period. (e.g., payment released the first week of December for coverage period November 1–November 30).
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Is there a limit to the amounts for which I can be reimbursed?
No. A vested and terminated eligible participant may be reimbursed for qualified medical expenses up to the full balance in their Emeriti Health Account. If a claim exceeds the dollar amount held in your account, you may need to transfer funds to ensure your reimbursement is processed. For more information, call 1-866-EMERITI (1-866-363-7484) Monday through Friday 8:00 AM–8:00 PM, ET.
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Are reimbursements tax-free?
Yes. Reimbursements for eligible qualified medical expenses are tax-free.
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How are reimbursement payments made?
Reimbursements will be sent to your address on record. You may also request to have reimbursements deposited directly into your checking or savings account by indicating this on the Emeriti Program Claim Form.
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How do I submit claims?
You can submit reimbursement claims via mail, fax, and online at MyEmeritiHealth.org. You will be able to view all your reimbursement claim transactions at MyEmeritiHealth.org.
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How do I check the status of my claims?
If your claim is denied, you will be informed by mail. You will be provided the reason for denial and an opportunity to appeal or resubmit your claim. If you have any questions about your reimbursement claim, please call 1-866‐EMERITI (1‐866‐363‐7484) Monday through Friday, 8:00 AM – 8:00 PM, ET. You may also visit our benefits website 24/7 at MyEmeritiHealth.org.
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How do I get reimbursed for mail-order prescription drugs?
You may submit documentation of your order manually (by mail, fax, or online at MyEmeritiHealth.org), or you may use your benefits card.
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Do I have to provide my Social Security number to be reimbursed?
Yes. You only need to provide the information once — either on the first claim form that you submit or by calling 1-866-EMERITI (1-866-363-7484) Monday through Friday 8:00 AM – 8:00 PM, ET.
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What happens to my Emeriti Health Account assets when I die?
The remaining assets can be used by your spouse and any eligible dependents for Emeriti Health Insurance premiums and qualified medical expenses until they die or cease to be eligible dependents.
It is important to remember that this is a program designed specifically to pay for health expenses, and it receives very favorable tax treatment for this purpose. Therefore, federal law requires that when you and all your eligible dependents die (or cease to be eligible dependents), any unused funds in your account will revert to your institution’s Plan for use in providing benefits to other eligible participants.
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Can I roll over the funds in my Emeriti Health Account to another plan?
No. Your Emeriti Health Account is not a qualified account and therefore not eligible for rollover or direct transfer to another administrator. Your vested Emeriti Health Account goes with you and you will have access to reimbursement for yourself and your eligible dependents until the account is depleted or after your death and the death of your last eligible dependent.
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How do I update my contact information?
It’s very important that you keep Emeriti informed, should you change your permanent residence. To update your information, please call 1-866‐EMERITI (1‐866‐363‐7484) Monday through Friday, 8:00 AM – 8:00 PM, ET.
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When can I change my insurance selections?
Each year during Open Enrollment, which mirrors Medicare Open Enrollment, retirees enrolled in Emeriti’s group plans can change their elections and they become effective the first of the year.
