RHA Medical Claims

Thank You for "Going Green" and using the secure Online Claims System. 

Misc Claim
 
Monthly Claim

 

Click the "Miscellaneous" Claim Button above to submit any eligible medical expense.  Use the "Monthly" Claim Button for Monthly Insurance Premium reimbursements.

Use your Computer, Phone, or Tablet. 

Upload receipt documents with your claim, or use the Camera on your Phone or Tablet to attach receipt images.

Approved Claims will be funded from your Retirement Healthcare Account (RHA). 

 

Monthly Claims & Misc Claims

Monthly Claims are specifically for reimbursement of Monthly Insurance Premiums. When you create a Monthly Claim, we will process your monthly reimbursement request to ensure funds are deposited in your bank account by the 5th of each month. You can request reimbursement of the full premium amount, or strategically choose a lesser amount to leave more funds in your RHA Account growing tax free for future use.

Misc Claims are used for everything else. You can create a claim for a single item, or wait and list up to 10 items on each claim. Remember, proof of payment must be provided for each listed item. Create a claim with your computer and attach any saved receipts from your files. Or use your Phone or Tablet to create a claim and use the camera to snap images of your receipts.

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Claim Instructions
  1. Complete a claim for medical expenses incurred by you, your spouse or other eligible dependents for which you request reimbursement.
  2. Only participants of the NPPFA Retirement Healthcare Funding Plan can submit a reimbursement claim.
  3. Retired participants may be reimbursed from the plan at any time during the plan year but only for expenses incurred after date of retirement unless specifically allowed otherwise in the Plan document.
  4. If you receive reimbursement for expenses, you may not claim these expenses for income tax purposes.
  5. Please provide supporting documentation to substantiate your claim. Examples include Explanation of Benefits, hospital or doctor bills and premium notifications. You must also provide proof of payment for these expenses. Examples include receipts, credit card statements and cancelled checks. Cash register receipts and canceled checks alone do not qualify as proof. Please see the above "Eligible Expenses" tab for a list of medical expenses that are eligible and ineligible for reimbursement.
  6. Eligible claims cover payments made on a post-tax basis only.
  7. Claims must be submitted within 90 days after the end of the plan year in which the expense was incurred. Thus the last date to submit an expense is March 31st for prior calendar year expenses.
  8. Please allow 2-3 weeks to process your reimbursement upon receipt of completed paperwork. Using this online system will expedite the process.

 

Qualifying Healthcare Expenses

The Retirement Healthcare Funding Plan document contains rules governing what expenses are eligible for reimbursement from your Retirement Healthcare Account (RHA). Below are some general examples to give you an idea of what items may qualify for reimbursement. Please contact NPPFA Benefits if you have any questions about whether a particular expense is reimbursable. Examples of expenses for which you may be able to receive reimbursement include:

  • Out of pocket medical and dental expenses incurred during the past twelve months and as defined in IRS Code Section 213, unless otherwise excluded.
  • Deductibles and co-payments that you are responsible for under your primary medical plan or under any other medical or dental plan.
  • Prescription drugs including over the counter drugs to treat a medical condition including Ibuprofen, Naproxen, Zantac, Acetaminophen, APAP, Motrin, etc.
  • Eye exams, glasses, contact lenses and other vision expenses.
  • Orthodontic and dental expenses (unless cosmetic dental expenses).
  • Hearing exams, hearing aids, and other hearing expenses.
  • Massage therapy only if prescribed by a physician to treat a specific medical injury or trauma.
  • Physical therapy, chiropractor fees, and acupuncture.
  • Payments to a treatment center for alcoholism or stop smoking programs.
  • Weight loss programs and/or drugs prescribed to induce weight loss (only if prescribed by a physician to treat an existing disease – not to improve general health or for preventative reasons).
  • Health insurance payments for COBRA coverage, Medicare Part B or Medicare Supplemental Plans, or health insurance premiums under the IL Insurance Continuation Act for Governmental Employees.

 

Medical Expenses Ineligible for Reimbursement
  • Warranties and service agreements (e.g. eyeglass warranty) or clip-on eyeglasses.
  • Cosmetic surgery or other similar procedures, unless the surgery or procedure is necessary to ameliorate a deformity arising from or directly related to a congenital abnormality, a personal injury resulting from an accident or trauma or disfiguring disease. "Cosmetic surgery" means any procedure or drug which is directed at improving the patient's appearance and does not meaningfully promote the proper function of the body or prevent or treat illness or disease.
  • Funeral or burial expenses.
  • Household and domestic help even though recommended by a qualified physician due to an employee’s or dependent’s inability to perform housework.
  • Home or automobile improvements and automobile insurance premiums.
  • Custodial care, health club dues, social activities such as dance lessons even though recommended by a qualified physician for general health improvement.
  • Bottled water, cosmetics, toiletries, vitamins and food supplements (some may be eligible if prescribed by a physician to treat a specific medical condition).
  • Marijuana and other controlled substances even if prescribed.

 

About Us

NPPFA Benefits has helped thousands of Police, Fire, and other Public Employees for over 35 years. In 2004 we created a Retirement Healthcare Funding Plan allowing individual Retirement Healthcare Accounts (RHA) to further ensure the retirement independence of public sector employees. We incorporate best practice plan design and pricing to help public sector employee groups, regardless of size, achieve greater retirement balances. We achieved this objective by pooling the buying power of the member communities with a single vendor. Since the inception of the program, the plan has saved participants over $19 million in fees. Currently, there are over 200 units of government participating in the co-op with over $500 million in managed assets.

 

RHA Benefits
  • Your Retirement Healthcare Account provides Triple Tax Savings while providing for your retirement medical expenses.
    1. Your RHA is funded with pre-tax dollars.
    2. Your RHA funds are invested and grow tax free.
    3. Withdraws (claims) are tax free for eligible medical expenses.
  • Your RHA is specifically for you and your eligible dependents.
  • Assets are held in a secured trust and are protected from creditors of the employer.
  • The NPPFA RHA Trust uses an investment platform which includes a guarantee account, 19 mutual funds, five-time horizon portfolios, and a computer run target maturity allocation program.
  • Common eligible fund uses include:
    • Deductibles & Co-Payments
    • Prescription Drugs
    • Insurance Premiums
    • Eye & Vision Expenses
    • Orthodontic & Dental Expenses
    • Hearing Exams & Hearing Aids
    • Physical Therapy
    • Various Treatment Plans
  • Your processed claim is deposited directly into your bank account so the money is there when you need it.
  • Your legal Spouse & qualified Dependents are eligible for coverage.

 

OFFICE HOURS:

Mon-Fri 9am-5pm CST

PHONE:

866-994-6312

773-427-6875 FAX

EMAIL:

Service@NPPFABenefits.org

POSTAL ADDRESS:

1701 E. Lake Avenue

Suite 400

Glenview, IL 60025