Medical Expense Reimbursement Plan (MERP) Benefits

There are two ways you can submit MERP benefit claims:

• One-time request: You can submit proof of payment throughout the year for medical expenses, as defined in Code Section 213(d) (i.e., costs for the diagnosis, cure, mitigation, treatment, or prevention of disease or injury). A claim form must be completed, and the appropriate documentation must be attached.

• Premium reimbursement: To receive reimbursement for a monthly healthcare premium, you must provide proof of your monthly premium amount. You will also need to submit a completed reimbursement claim form; however, you only need to submit this form yearly. This includes a premium payment on behalf of a beneficiary to a health, dental, vision, prescription, or long-term care plan.

Retirement Security Fund (RSF) Benefits

The Healthcare Trust contributes funds to help you, your spouse, and eligible dependents pay for medical expenses even after your retirement. Contributions are deposited directly into a Retiree Health Reimbursement Account (HRA) once every quarter for seven years following your retirement. You can use these post-retirement contributions to pay for eligible medical premiums and long-term care premiums. Ameriflex, a national provider of retirement and benefit plans, manages your account. Your retirement packet from the HealthCare Trust includes information on creating your RSF Retiree HRA and using your program benefits.

The Ameriflex website has all the tools you’ll need to learn about and manage your RSF account, including checking your account balance and spending. Below, you’ll find a few tips on how to create and use your account.

Creating Your Ameriflex Account: If you haven’t created an account, go to myameriflex.com/login, click the “New user registration” link, and follow the instructions for registering your account.

Once you have access to the Ameriflex site, you can use it to: 

• Check your balance
• Order replacement cards
• Submit claims for reimbursement
• Update your reimbursement method
• And more…

Using Your Ameriflex Debit Card: You’ll receive a Mastercard debit card linked to your Ameriflex account that you can use to pay for eligible expenses. If you lose your card, you can request a complimentary replacement by logging into your Ameriflex account or the Ameriflex mobile app.

Claim Reimbursement: Before you make a purchase with your card, verify that the expense is eligible under the rules of your plan. All medical expenses defined under IRS Code Section 213(d) are eligible under your RSF Retiree HRA, including:

• Prescription co-pays and deductibles
• Dental, medical, and vision services
• Medicare Part B and D
• Medical supplies and equipment

Visit the Ameriflex Help Center for more information about eligible expenses.
Reimbursement Claims: You can submit reimbursement claims for eligible expenses paid using cash, check, or other credit cards through the Ameriflex online participant portal, the mobile app, email, or regular US postal mail. Once Ameriflex receives the claim, their expected turnaround time for processing claims is three to five business days. After the claim has been processed, please allow another one to two business days for the reimbursement to be issued via check or direct deposit.