How to Use
Your Medical
Reimbursement
Account
An important resource guide
to help you achieve and
maintain your best health
and wellness
sfmra.org
How to Use
Your Medical
Reimbursement
Account
About this Handbook
In this handbook, you’ll find important
information about your SF Medical
Reimbursement Account (SF MRA). You’ll
discover how to set up your account and how
to get reimbursed for medical expenses.
You’ll also discover the surprising range of
medical services and products covered in
this benefit. Plus you’ll learn why the City and
County of San Francisco provides this benefit.
Find out more at sfmra.org
@ sfcityoption
@ sanfranciscocityoption
Contents
What Is a Medical Reimbursement
Account? .......................................................... 1
About Your SF MRA ....................................... 3
Getting Reimbursed for Eligible
Expenses Is Fast and Easy .......................... 4
Four Ways to Receive
Reimbursement ............................................5
You Can Get Reimbursed for a
Surprising Number of Expenses ................ 7
Online Resources to Help You
Make the Most of Your SF MRA ................ 11
More Facts About Your SF MRA................12
Frequently Asked Questions .................... 15
Summary .......................................................19
Resources and
Important Contacts .......................Back Cover
1 | sfmra.org
What Is a Medical
ReimbursementAccount?
A Medical Reimbursement Account is an account that
gives you funds to cover eligible health care expenses.
You can use your funds for you, your spouse or
domestic partner, plus your children or dependents.
The medical reimbursement account you receive
through San Francisco City Option covers health
insurance premiums, doctor oice visits, hospital
fees, vision services, dental services, prescriptions,
over-the counter medicines, and many other eligible
expenses. You can see the full list of covered expenses
by scanning the QR code below. There’s a partial list
of eligible expenses on page 7.
Scan this QR code to see the
full list of covered medical
expenses and services.
1 | sfmra.org 1(866) 697-6078 | 2
Why This Program Exists and How It Works
In San Francisco, local city law requires many
employers to provide a health benefit for their eligible
employees. Your San Francisco Medical Reimbursement
Account (SF MRA) is the benefit within SF City Option.
The City and County of San Francisco administers
SF City Option and SF MRA.
You can discover more about the program background
at these sites:
• Health Care Security Ordinance: sfgov.org/olse/hcso
• Healthy Airport Ordinance: sfgov.org/olse/
healthy-airport-ordinance-hcao-amendment
• SF City Option: sfcityoption.org
• SF MRA: sfmra.org
Most importantly, the City and County
of San Francisco established this
program to help the people who work
in San Francisco achieve and maintain
their best health and wellness.
3 | sfmra.org
Health services and products can be expensive.
SF MRA means you can get reimbursed for a
surprisingly wide range of health and wellness
expenses. Your spouse and dependents can also
be reimbursed through your account. Money remains
in your account, even if you leave an employer.
As of January 2022, SF MRA has paid out over $500
million to participants to help them cover eligible
health-related expenses.
About Your SF MRA
3 | sfmra.org 1(866) 697-6078 | 4
Getting Reimbursed for
Eligible Expenses Is Fast
and Easy
To enroll, call an SF MRA
Customer Service Representative
at 1(877) 772-0415
Once you are enrolled in the program,
you can receive reimbursement for
eligible expenses
There are 4 ways to get reimbursed,
as detailed on the next page
To be reimbursed, submit documentation
with the following:
• Name of provider or company
• Description of product(s) or service(s)
• Date when product(s) or service(s) were provided
• Amount (your portion of payment)
• Name of person receiving service (when applicable)
If you need a claim form, go to sfmra.org/submitclaim
where you can download a copy. If you don’t have
online access, call SF City Option Customer Service
at 1(877) 772-0415 and we’ll mail a form to you.
Your first step is to enroll in the program
5 | sfmra.org
ONLINE
If you haven't set up an account online,
register with our partner, HealthEquity/
WageWorks at sfrma.org/onlineaccount
• Log in to your HealthEquity/WageWorks account
• Complete your claim form online and upload your
receipt or invoice online
Your information remains private and will not be
shared. You can access your SF MRA account online
or on a smart phone through the app.
MOBILE APP
Download the free “WageWorks EZ Receipts”
app from the Google Play Store or Apple
App Store.
• Log in to your account through the app.
• Complete the claim form on the app
• Upload images of your receipts or invoices
• Click on “Submit Claim” to send your claim
Four Ways to Receive
Reimbursement
5 | sfmra.org 1(866) 697-6078 | 6
MAIL
• Get receipts for your paid expenses
• Complete a claim form and sign the form
• Mail your completed claim form and receipt(s)
to this address:
Claims Administrator
PO Box 14857
Lexington, KY 40512
FAX
• Get receipts for your paid expenses
• Complete a claim form and sign the form
• Fax your completed claim form and receipt(s)
to: 1(866) 599-3058
If your claim is approved, you’ll receive
reimbursement by check. Or, if you are enrolled
in direct deposit, your funds will be available in
your account in 3-5 business days.
7 | sfmra.org
Medical and Wellness
Procedures
• Acupuncture
• Alcoholism
Treatments
• Chemotherapy
• Doctor Fees
• Drug Addiction
Treatments
• Fertility Treatments
• Flu Shots
• Health Screenings
• In-Vitro Fertilization
• Occupational
Therapy
• Organ Transplants
• Physical Exams
• Physical Therapy
• Radiation Therapy
• Speech Therapy
• Surgery
(non-cosmetic)
• Vaccinations
• Vasectomy Fees/
Cost Sharing
You Can Get Reimbursed
for a Surprising Number
of Expenses
Your SF MRA provides reimbursement for a wide
range of health services and products. Here is a
partial list:
7 | sfmra.org 1(866) 697-6078 | 8
Insurance-Related Costs
• Co-pays
• Deductibles
• Health Insurance
Premiums
• Healthy San Francisco
Participant Fees
Health and Wellness
Products
• Activity Tracker
• Allergy Relief
• Anti-Itch Lotions
• Asthma Medicines
• Birth Control
• Cold and Flu
Medicine
• Cold Sore/Fever
Blister Treatments
• Cough Medicine
• Decongestants
• Diaper Rash
Treatment
• Eye Drops
• Face masks
• Insulin
• Lactose Intolerance
Supplements
• Migraine Relief
• Nicotine Patches
and Gum
• Prescription Drugs
• Sunburn Relief
• Sunscreen
• Vitamins and
Minerals
Medical Equipment
• Abdominal/
Back Supports
• Artificial Limbs/
Prosthetics
• Bandages
• Blood Pressure
Monitors
• Blood Sugar
Test Kits/Strips
9 | sfmra.org
• Crutches
• Diabetic Supplies
• Fiber Supplements
• First Aid Kits
• Heart Monitors
• Heating Pads
• Hot/Cold Packs
• Orthopedic Shoes
• Oxygen Equipment
• Syringes
• Thermometers
• Wheelchairs
Dental Services
• Braces and Other
Orthodontics
• Bridges
• Crowns
• Dentist Fees
• Dentures
• Extractions
• Fillings
• Gum treatment
• Oral surgery
• Root canals
• Teeth Cleaning
• X-Rays
Hearing Related
• Hearing Aids
and Batteries
• Hearing Exams
Vision Services
• Contact Lenses
and Cleaning
Solutions
• Eye Surgeries
• Eye Exams
• Eyeglasses
• LASIK/Laser
Eye Surgeries
• Optometrist/
Optician Fees
• Prescription
Sunglasses
Lab Exams/Tests
• Blood Tests
• Body Scans
• COVID Antigen
and PCR tests
• Cholesterol Testing
• Mammograms
• MRIs
• Rapid COVID test
• Pap Smears
• Urine/Stool
Analysis
• X-Rays
Other
• Ambulance
Services
• Hospital Services
and Room Fees
Eligible Health Care Expenses (continued)
9 | sfmra.org 1(866) 697-6078 | 10
Expenses Not Covered
The following expenses are not eligible
for reimbursement from your SF MRA
• Babysitting and
ChildCare
• Bath and Hand Soap
• Cosmetics/Makeup
• Dental Floss
• Deodorants
• Funeral Expenses
• Low-Calorie/Low-
Cholesterol Foods
• Maternity Clothes
• Medical Marijuana
• Mouthwash
• Non-Prescription
Sunglasses
• Personal Trainers
• Shampoo and Conditioner
• Sleeping Aids
• Sun-Tanning Products
• Tattoo Removal
• Toothpaste and
Toothbrushes
• Teeth Whitening File
For the full list of eligible expenses, visit
sfmra.org/eligibleexpenses. You can also
scan the QR code below.
If you have a question about a specific expense and
whether you can be reimbursed,call HealthEquity/
WageWorks at 1(866) 697-6078 or email
info@sfcityoption.org.
Scan this QR code
to see the full list
of covered medical
expenses and services.
Online Resources to
Help You Make the
Most of Your SF MRA
Our website gives you everything
you need to use your SF MRA:
• How to get reimbursed
• A full list of eligible expenses
• SF MRA materials to view and download
Visit us at sfmra.org
Sign up online for your HealthEquity/
WageWorks account for added
convenience:
• Submit reimbursement claims
• View your account balance
• View the status of your claim(s)
• Sign up for direct deposit
Visit: sfmra.org/onlineaccount
Mobile App: WageWorks EZ Receipts
We also have a Twitter account and Facebook
account where you can stay up to date with the
latest information from SF MRA.
@ sfcityoption
@ sanfranciscocityoption
1(866) 697-6078 | 12
Eective Date
Your SF MRA eective date is the bank posting date of
your employer’s first deposit into your SF MRA. Aer
the eective date, you can get reimbursed for eligible
health care and wellness services or products.
Your Account Number
Your account number is your Social Security Number
(SSN) or a unique ID starting with 777****** given
to you by SF City Option. Use your account number
on the SF MRA claim form when you submit
claims. Call SF City Option Customer Service at
1(877) 772-0415 if you have any questions about
your account number.
More Facts About
Your SF MRA
13 | sfmra.org
Admin Fees
Payment processing takes places through our
partner, HealthEquity/WageWorks. There is a
$3.15 administrative fee subtracted from your
SF MRA each month, whether or not you use your
SF MRA that month. The administrative fee is paid
to HealthEquity/WageWorks for their services.
Administrative fees are not subtracted if your
account balance is below $3.15.
What Happens When You Leave
an Employer
If you leave your current employer for any reason,
money will be available to you and not returned
to your employer.
Your SF MRA Statement
You’ll receive an SF MRA statement up to 4 times
per year to let you know your account balance.
Important Notifications Through Email
If you provide an email address when you open your
online account, you’ll receive notifications by email.
13 | sfmra.org 1(866) 697-6078 | 14
These notifications include:
• Confirmation you successfully sent your claim
• Explanation of benefits when your claim is approved
or denied
• Confirmation that SF MRA sent a reimbursement
payment was issued by direct deposit or check
• SF MRA balance statements, sent up to four times
per year by email
How to Keep Your Account Active
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 24 months. Our
program will close the account and you will not be
able to spend the SF MRA funds if there have been
no claims or deposits in over 24 months. If your
SF MRA is closed and you want it reopened, call
SF City Option at 1(877) 772-0415.
Update Your Contact Information
To make sure you always have access to funds, we
recommend you keep us updated with your current
address, phone number, and email address. This
step is also important for program updates and
other important communication. You can manage
this information online or you can call SF City Option
Customer Service at 1(877) 772-0415.
SF MRA Funds May Be Available
Even Aer You Die
An executor or other legal representative can submit
claims for eligible health care services you received
or health care items you purchased up to your date
of death. SF MRA funds are also available for your
spouse or domestic partner and dependents for their
eligible expenses up to 24 months aer your date
of death.
15 | sfmra.org
My employer made a deposit. When will I see the
funds in my SF MRA?
Funds will be available in your SF MRA 1 to 3 weeks
aer each employer payment to the program.
What is my account number?
Your SF MRA account number is your Social Security
Number (SSN) or a unique ID starting with 777******
given to you by SF City Option. Use the account
number when you submit claims. Call SF City Option
Customer Service at 1(877) 772-0415 if you have any
questions about your account number.
What is my SF MRA eective date?
Call SF City Option Customer Service at
1(877) 772-0415 for your exact date. Your SF MRA
eective date is the bank posting date of your
employer’s first deposit into your SF MRA.
How far back can I submit a claim for
reimbursement?
You can get reimbursed for eligible health care
services received or health care items purchased on
or aer your SF MRA eective date. If you need to find
out your eective date, call SF City Option Customer
Service at 1(877) 772-0415.
Frequently Asked
Questions
15 | sfmra.org 1(866) 697-6078 | 16
How long will my SF MRA be available?
SF MRA funds are available to spend provided your
account is active. Keep your account active by filing
at least one SF MRA claim every 24 months. Our
program will close the account and you will not be
able to spend the SF MRA funds if there have been
no claims or deposits in over 24 months. If this
happens, you can reactivate your account by calling
SF City Option Customer Service at 1(877) 772-0415.
Are there fees with an SF MRA?
Yes. A $3.15 administrative fee is subtracted from the
funds in the SF MRA each month. Administrative fees
are not subtracted if the account balance is below
$3.15. You will receive online statements when you
open an account online.
Can I use my SF MRA to get reimbursed for health
insurance premiums?
Yes, health insurance premiums are eligible for
reimbursement from an SF MRA. This includes health
insurance purchased through Covered California or
other health insurance marketplaces.
17 | sfmra.org
Can I send a claim where the amount is greater
than the available funds in my SF MRA?
Yes the claim is paid up to the available
account balance.
Is there a minimum claim amount?
No, you can send a claim for as little as $0.01
and get reimbursed if the claim is approved.
Is there a minimum amount for a reimbursement
check or direct deposit?
No, you can get reimbursed by check or direct
deposit for as little as $0.01.
17 | sfmra.org 1(866) 697-6078 | 18
Is there a maximum number or amount of claims
I can request per year?
No, you can send as many claims as you need.
You receive reimbursement up to the available
account balance.
How long does it take to get reimbursed
for eligible health care expenses?
Claims are usually processed within 3 to 5
business days.
Can I cash out my SF MRA?
No, you can only use your SF MRA funds by sending
claims for reimbursement of eligible health care
expenses.
Can I still use my SF MRA aer I no longer work
for my employer?
Yes, you can still use the funds in your SF MRA aer
you no longer work for the employer who made the
SF MRA deposits.
What is my current SF MRA balance?
Call WageWorks/HealthEquity at 1(866) 697-6078.
You can also check your account balance online at
sfmra.org/onlineaccount.
How do I change my address, phone number,
or email address?
Call SF City Option Customer Service
at 1(877) 772-0415.
19 | sfmra.org
This handbook provides an introduction to a resource
created to help you achieve and maintain your best
health and wellness.
Once you start using your SF MRA, you’ll discover
it will help you with reimbursement for important
health-related expenses. But it’s important you
use your SF MRA regularly. Remember that your
SF MRA covers a wide range of expenses.
Reimbursement is fast and easy.
At any time, if you have any questions about
your SF MRA, call HealthEquity/WageWorks
at 1(866) 697-6078.
Summary
19 | sfmra.org 1(866) 697-6078 | 20
Notes
Resources and
Important Contacts
HealthEquity/WageWorks
Customer Service
1(866) 697-6078
Submit SF MRA Claims
MAIL: Claims Administrator
P.O. Box 14857
Lexington, KY 40512
FAX: 1(866) 599-3058
ONLINE: sfmra.org/onlineaccount
MOBILE APP: WageWorks EZ Receipts
MOBILE APP: sfmra.org/mobileapp
Online Account
sfmra.org/onlineaccount
Program Information
sfmra.org
351307 1121