Health Reimbursement Account (HRA)

Spending Accounts – If you have a Flexible Spending Account (FSA), Health Reimbursement Account (HRA) and/or Dependent Care Account (DCA), monitor your mail for a new debit card to arrive from Medcom. Funds from multiple accounts are accessible on the same debit card. If you would like a second card call Medcom at 800.523.7542, Option 1 or fax a Dependent Card Request Form to Medcom at 877.723.0149.

2019 Benefits Update

Many of the St Johns County benefits providers and insurance carriers will be changing starting January 1, 2019. New carriers include: Prescription (Rx) Services with CVS Caremark, Spending Accounts (FSA/HRA/DCA) with Medcom, Life and Disability with The Standard and Employee Assistance Program (EAP) with Morneau Shepell. The new carriers are providing you with the same or better benefits. Please review the 2019 Benefits Guide  for more information about these changes.

Through 12/31/2018: Ameriflex Set-up & FAQs  |  www.myameriflex.com
Effective 01/01/2019: Medcom Set-up & FAQs  |  medcom.wealthcareportal.com

HRA / Ameriflex (2018)

All employees who enroll in the Blue Options High Deductible Health Plan (HDHP) 05360 are automatically enrolled in a Health Reimbursement Account (HRA).

How does an HRA work and how does it benefit me?
Funded 100% by St. Johns County, the HRA is only available to employees enrolled in the Blue Options HDHP 05360. St. Johns County contributes money into your account based on your tier:

  • $600 Employee Only
  • $1,000 Employee + Spouse
  • $1,000 Employee + Children
  • $1,500 Employee + Family

If you are a new employee with benefits starting after January 31, this amount will be prorated at a monthly rate.

What is the difference between an HRA and a FSA?
HRAs are employer-funded, which means your employer determines the amount that goes into the HRA. FSAs are employee-funded which means the funds are deducted from your salary. You determine the amount that goes into your FSA. The only other difference between FSA and HRA eligible expenses is in regards to dependents. An FSA can reimburse expenses for any tax-qualified dependent. The HRA can only reimburse expenses for dependents covered under your St. Johns County HDHP.

How will I access the money provided in my HRA?
You will receive an AmeriFlex Convenience Card after signing up for the HDHP with HRA. You can swipe your card at any health care provider’s office that accepts credit or debit cards. You can also file a paper claim form with AmeriFlex, to be reimbursed from your account.

Can I enroll in the Blue Options HDHP 05360 with HRA and still elect an FSA?
Yes. Employees can contribute to an FSA while enrolled in an HRA. Funds for the HRA and FSA are loaded onto one card. However, you will be required to use your entire FSA balance prior to accessing the HRA funds.

What can I spend my HRA money on?
You can spend your HRA money on out-of-pocket medical, prescription, dental and vision expenses which are eligible for reimbursement if the expenses are for medically necessary care or treatment incurred during the plan year. You can visit Ameriflex for a searchable list of eligible expenses or read the official IRS Publication 502 for more information.

How can I get an additional Ameriflex Convenience Card for a spouse or dependent to use?
You can request additional cards for IRS eligible family members by calling Ameriflex at 888-868-3539 or completing a Request for Service Form. There is no fee for additional cards. Important Note: For your protection, only primary account holders may order replacement cards for themselves or their dependents who have previously been issued duplicate cards. Dependents may not order/reorder their own cards.

Will my HRA funds rollover into the next plan year?
The HRA dollars are funded by St. Johns County and must be used prior to the end of each plan year on December 31. Account balances do not rollover from year to year.

Medcom HRA (2019)

Setting up your Medcom Account

Setting up your Medcom spending account is easy! Please follow the instructions in Starting your Medcom account.

Your Employee ID is: Your social security number with no dashes or spaces. For your Registration ID: Select "Card Number", Enter Debit Card Number.

Both your online account and the Medcom WealthCare mobile app use the same username and password. You can download the FREE app from the App Store or Google Play.

Online Account Features
You can log in to view your available balance, request reimbursements, search for eligible items, spend down your FSA and/or HRA through the FSAStore, and more.

Medcom / HRA FAQs (2019)

All employees who enroll in the Blue Options High Deductible Health Plan (HDHP) 05360 are automatically enrolled in a Health Reimbursement Account (HRA).

How does an HRA work and how does it benefit me?
Funded 100% by St. Johns County, the HRA is only available to employees enrolled in the Blue Options HDHP 05360. St. Johns County contributes money into your account based on your tier:

  • $600 Employee Only
  • $1,000 Employee + Spouse
  • $1,000 Employee + Children
  • $1,500 Employee + Family

If you are a new employee with benefits starting after January 31, this amount will be prorated at a monthly rate.

What is the difference between an HRA and a FSA?
HRAs are employer-funded, which means your employer determines the amount that goes into the HRA. FSAs are employee-funded which means the funds are deducted from your salary. You determine the amount that goes into your FSA. The only other difference between FSA and HRA eligible expenses is in regards to dependents. An FSA can reimburse expenses for any tax-qualified dependent. The HRA can only reimburse expenses for dependents covered under your St. Johns County HDHP. The Reimbursement Spending Account Comparison Chart compares the similarities and differences between FSA, DCA and HRA.

How will I access the money provided in my HRA?
You will receive a Medcom Convenience Card after signing up for the HDHP with HRA. You can swipe your card at any health care provider’s office that accepts credit or debit cards. You can also file a claim online with Medcom, to be reimbursed from your account.

Can I enroll in the Blue Options HDHP 05360 with HRA and still elect an FSA?
Yes. Employees can contribute to an FSA while enrolled in an HRA. Funds for the HRA and FSA are loaded onto one card. However, you will be required to use your entire FSA balance prior to accessing the HRA funds.

What can I spend my HRA money on?
You can spend your HRA money on out-of-pocket medical, prescription, dental and vision expenses which are eligible for reimbursement if the expenses are for medically necessary care or treatment incurred during the plan year. You can visit the FSA Store for a searchable list of eligible expenses or read the official IRS Publication 502 for more information.

You can also use the Medcom Wealthcare Mobile App to check item eligibility. You can download the FREE app from the App Store or Google Play.

How can I get an additional Medcom Convenience Card for a spouse or dependent to use?
You can request additional cards for IRS eligible family members by calling Medcom at 800-523-7542 or requesting a card through your online spending account. There is no fee for additional cards. Important Note: For your protection, only primary account holders may order replacement cards for themselves or their dependents who have previously been issued duplicate cards. Dependents may not order/reorder their own cards.

Will my HRA funds rollover into the next plan year?
The HRA dollars are funded by St. Johns County and must be used prior to the end of each plan year on December 31. Account balances do not rollover from year to year.

Flexible Spending Account (FSA)

More information about Flexible Spending Accounts.