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MANAGEMENT
Human Resources

Health Care Reimbursement Account (HCRA) Plan

The CSU Health Care Reimbursement Account is a voluntary benefit for eligible employees that offers significant tax advantages and could increase an employee's take home pay. This Flexible Spending Account (FSA) allows for the reimbursement of out-of-pocket health expenses with pre-tax dollars. Contributions are deducted from pay before federal, state and Social Security (FICA) taxes are deducted. Taxable income on an employee's annual W-2 statement will be reduced by the amount placed in the account.

PLAN INFORMATION

2024 HCRA Brochure
HCRA Overview

Show All
  • PLAN YEAR ENROLLMENT
    • Employee may enroll within 60 days of their initial enrollment period (new hire/newly eligible) or a permitted mid-year status change.
    • Employee must re-enroll during the annual Open Enrollment Period each Fall to participate during the following calendar year. Re-Enrollment is not automatic even if the employee participated the previous year.
    • Employee may contribute $20 to $254.16 each month ($3,050 annual maximum)
    • Contributions are deducted from pay before Federal, State and Social Security (FICA) taxes.
    • If a Participant does not use the money in their account for expenses incurred during the Plan Year (including the 2 1/2 month grace period), the funds will be forfeited. Excess contributions may not be refunded to the individual or be carried over into the next Plan Year. 
  • GRACE PERIOD
    • The CSU provides a 2 1/2 month grace period for employees enrolled in the HCRA plan.  The grace period allows reimbursement of eligible expenses incurred through March 15th of the following year.
    • Employees must submit claims no later than June 30th of the following year after the current plan year ends.  After this date, any funds remaining in the employee's account will be forfeited.
  • ELIGIBLE EXPENSES

    Expenses eligible to be reimbursed must be:

    • Medically necessary (expenses solely for cosmetic reasons or merely beneficial to a person's general health are not reimbursable),
    • Incurred by an employee, employee's spouse, or eligible dependents (including domestic partner), and
    • Not covered by the employee's own or another insurance plan
    • Effective January 1, 2020, Over-the-Counter medications will no longer require proof of documentation and/or receipt for reimbursement.
    • Effective January 1, 2021 initial requests for reimbursement for Orthodontia treatments no longer need to include a contract or statement. Employees will receive full reimbursement for full payments, down payments, monthly payments and/or banding fees. Participants who expect treatment to extend beyond the plan year that they are currently enrolled in, are encouraged to re-enroll for the following plan year for reimbursement of pending expenses.


    For more details refer to the:
    ASIFlex Eligibility Expense List
    IRS Publication 502 Medical and Dental Expenses

  • REIMBURSEMENT PROCESS

    FILING A CLAIM:

    Online Process -

     

    Mail/Fax Process -

    • Complete a Claim Form, and attach an itemized bill for health care expenses. (Claim Instructions included with the form).
  • DEBIT CARD

    In addition to the claims reimbursement process outlined above, all enrolled employees receive a FSA Debit Visa Card (ASIFlex Card).  Using the debit card for eligible expenses eliminates most out-of-pocket expenses and claims paperwork (exceptions apply). 

    For more details about the card:
    ASIFlex Card Things to Know
    FSA Debit Card FAQ

  • FSA STORE

    The FSA Store carries over 2500+ guaranteed FSA eligible products, health essentials and more.  This is a great way to spend your money last minute to avoid having it forfeited at the end of the plan year/grace period.

    ASI’s partnership with FSA Store makes spending FSA money simple and quick. Here’s what participants need to know:

    • Participants need to sign in to their ASI account first and then click through to the FSA Store. If participants go to FSAstore.com directly they will have to submit claims the normal way. By signing in through their ASI account first, participants skip the claim submission requirement. Everything happens automatically.
    • Cardless Pay transactions process on the same day! For those true last minute shoppers, they can take comfort knowing transactions are processed on the same day. If you buy December 31st, it will process December 31st.
    • Everything on FSAStore.com is eligible.
    • No receipts required when purchased through Cardless Pay. When participants log in to their ASI account and click through to FSAStore.com to make purchases, participants do not have to submit claims. It is processed and approved automatically.


    For more details:
    FSA Store Flyer
    FSA Cardless Pay

  • ENROLLMENT FORM

    Enroll by completing the 2024 Plan Year Enrollment Authorization Form - via AdobeSign

    • Select Form Name: 2024 DCRA_HCRA Enrollment Form from Workflow Selector Drop Down Menu
    • Provide your CSUSM Email Address in the "Employee" Box and submit
    • A link to the form will be emailed to you to complete and submit for processing
    • Contact hrbenefits@csusm.edu if assistance is needed


    Employees will receive an executed copy of the Enrollment form through AdobeSign once the HR Benefits Office completes their portion.  The HR Benefits Office will contact provide an enrollment confirmation email.


ADDITIONAL INFORMATION

Visit the ASIFlex Carrier Website
ASIFlex Carrier Contact List