myMRA Card Frequently Asked Questions

The myMRA card is a convenient option to electronically deduct funds from your Medical Reimbursement Account (MRA) or Limited Purpose MRA (LPMRA).

You must activate the myMRA card before you can use it. To activate your card:

1. Log in to https://peoplefirst.myflorida.com
2. In the My Quick Links menu to the left of your home page, click “FSA Information.” Once your card is activated, you can also use this link to see your account balance and get more information about claim status, myMRA card transactions and important deadlines.
3. Click and enter your e-mail address to receive all reimbursement account correspondence electronically (required to activate the myMRA card). Use an e-mail address that you check often.
4. Click “Activate myMRA card.”
5. Sign the back of your card.
6. You’re finished! Now you can enjoy the convenience of the myMRA card.

No. The myMRA card is a health care payment card, not a credit card. The maximum amount of funds stored and available on your card is equal to the full amount of your reimbursement account contribution for that plan year. This full amount is available for use on first day of the plan year (January 1) if you enrolled during open enrollment or on the date you enrolled in the MRA if you are a new employee or had a qualifying event.

When you use the myMRA card, the expense is automatically deducted from your MRA. You don’t have to submit a claim or worry about meeting the claim filing deadline (you may be required to submit documentation by the deadline). Also, because the myMRA card is not a credit card, you pay no monthly bill or interest charges as you would if your expense or service were charged on a credit card.

No. Use the myMRA card to pay for out-of-pocket expenses. You should continue to carry your health insurance card to identify your type of insurance.

No. As long as you remain actively employed with the state and enroll in an MRA each successive plan year, you will keep the same account number. We will send you a new myMRA card every three years—sooner, if it is damaged or lost.

No. It is always your choice to accept the terms and conditions so you can use your card; however, you are under no obligation to do so and you can continue to submit paper claims. When you receive the myMRA card, read the cardholders' agreement terms and conditions carefully. By activating and signing the back of your card, you accept the terms and conditions of the agreement.

First, you must choose to Go Green(paperless) to activate your card online. You may then use the card to pay for prescriptions, certain Over-the-Counter (OTC) items and/or eligible medical expenses. Simply swipe it through the card reader as you would a credit card. Always keep your MRA documentation for at least one year in case you are asked to provide documentation to verify the eligibility of your transaction.

Effective January 1, 2011, OTC drugs and medicines are only eligible for reimbursement with a prescription from the attending physician. This includes OTC items such as digestive aids, allergy drugs, pain relief medications, cold and cough medicines, sleep aids, anti-gas meds, baby rash creams and insect bite treatments. You may not purchase OTC items that require a physician’s prescription using the myMRA card.

You may still purchase non-medicinal OTC items, as well as regular prescriptions, with the myMRA card. This includes items like eyeglasses, wrist splints and band-aids, as well as durable medical items, such as crutches and canes. You will continue to be reimbursed for these types of OTC items without a doctor’s prescription, as long as you have funds in your MRA.

You must get a physician’s prescription if you want to continue purchasing and submitting claims for tax-free OTC drugs and medicines. View additional information about reimbursable OTC items in the announcements area of your FSA home page in People First.

You may use the myMRA card to purchase mail order prescriptions if the mail order pharmacy is part of your health plan. Most mail order purchases do not require any follow up documentation, meaning most transactions are completely paperless!

You can use the myMRA card at your doctor, dentist and ophthalmologist or optometrist offices for copays, deductibles and any qualified amounts not covered by insurance. The card uses credit card technology. If your health care facility accepts credit cards with a matching Visa logo and you have an available balance (annual amount less any reimbursements) in your account to cover your expense, your card will be accepted.

Yes, but you must send in the letter, along with your claim form, to People First. Your transaction will be accepted at the point of sale (as long as you have not exceeded your annual contribution limit) and the amount will be deducted from your account. If you fail to provide the required documentation by the deadline, you must pay back the account.

If your provider does not accept the myMRA card, or if your expense is greater than your available balance, pay for your service or purchase by cash, check or credit card. Then submit a paper claim with the appropriate accompanying documentation. Your claim will be processed and you will receive reimbursement for eligible expenses by check or direct deposit.

• Ambulance services
• Medical, dental, ophthalmic and hospital equipment/supplies
• Hearing aid sales, services and supplies
• Orthopedic goods, prosthetic devices
• Counseling services (related to medical care)
• Doctors and physicians
• Dentists and orthodontists
• Osteopaths
• Chiropractors
• Optometrists and ophthalmologists
• Opticians, optical goods and eyeglasses
• Certain Over-the-Counter items (OTC drugs and medicines require a prescription and cannot be purchased with the card)
• Podiatrists and chiropodists
• Prescription drugs
• Nursing and personal care facilities
• Hospitals
• Medical and dental laboratories
• Medical services and health practitioners

The specific service provided must meet all MRA eligibility requirements for reimbursement. Some services may require a Letter of Medical Need. Eligible medical service providers accept credit cards with a matching Visa logo and have a valid merchant identification code. Specific IRS regulations apply.

Yes. For your convenience, we will send you two cards free of charge.

To request additional myMRA cards call the People First Service Center at (866) 663-4735. There is no charge for additional cards.

There are two ways to find out if documentation is required:

1. You will receive an automated e-mail notification, or
2. You may check your card status information under the “myMRA Card Claims” tab through the People First website. If you see transactions in red, click the magnifying glass to find out what you need to do.

If notified, or you see a red transaction in your card transaction online, you must submit documentation immediately to avoid suspension of the myMRA card.

For substantiation, always submit itemized statements and/or bills. (e.g., an explanation of benefits). Documentation must include:

• Patient name
• Type of service
• Date of service
• Provider name
• Total amount

If the transaction is for a prescription or Over-the-Counter medicine, please include the name of the medicine or the Rx number (prescription name or Rx number is required for reimbursement, even for OTC medications). If possible, send in the label that is stapled to your prescription bag.

If you fail to send in the requested documentation for a myMRA card expense, you will be subject to:

• Withholding of payment for an eligible paper claim to offset any outstanding card transaction(s),
• A warning that your card privileges will be suspended within 30 days,
• Suspension of the card,
• Salary deduction for the amount of any outstanding card transactions (as permitted by law), and/or,
• Collections.

Fax your itemized documentation, along with a claim form, to:

People First Service Center:
Toll Free Fax (888) 800-5217
Tallahassee Fax (850) 425-4608

Or submit your scanned documentation online through People First. Click the FSA Information link then Online Claim Submission. Follow the directions and submission requirements.

If you pay an ineligible expense in error, you must immediately repay your account. Make your check or money order for the amount owed payable to the Division of State Group Insurance and send it to:

State of Florida Division of Group Insurance
PO Box 864684
Orlando, FL 32886-4684

You can also submit a paper claim for an eligible expense. Check box C on the form to tell People First to substitute the eligible expense for the ineligible card transaction. Remember to use the myMRA card for eligible healthcare expenses only; otherwise, you risk having your card suspended. To see if an expense is eligible, log on to People First, click "FSA Information" and then click the "Eligible Expenses" link under "Helpful Links."

Note: As you know, compliance with plan guidelines is very important. The state must diligently monitor your account and adjudicate claims in strict compliance with IRS regulations (Revenue Rulings 2003-43 & 2006-69). Failure on your part to resolve ineligible claims will result in suspension of your card privileges. In addition, the State of Florida will seek other measures to be repaid for any ineligible claims.

Because you have not submitted required documentation, we are withholding a payment for another approved paper claim request. We use this claim to substitute for the outstanding transaction(s). After we receive and process approved payment card receipts, we will reimburse you the difference between the approved paper claim(s) and the outstanding transaction(s), if applicable.

Log on to People First and click the FSA Information link in the My Quick Links section to the left. Across the top of the page are several tabs that show you FSA elections, balances, history and claims information. To track open and current month paper claims reimbursements, click the “Other Claims” tab. To see past month claims click “All Claims” in the drop down box. To see current year card transactions click the “my MRA card Claims.” To see pending documentation click “Documentation Received” in the drop down box.

If your expense is greater than the balance remaining in your account, simply pay with a credit card, check or cash and submit your expense as a paper claim. Currently, the technology does not support a partial payment.

Your myMRA card is suspended on the date you end employment with the state.

If you made arrangements with your employer to continue your MRA following termination, you may submit claims incurred during the remainder of the plan year by properly completing and submitting claim forms with accompanying documentation.

In the event of a leave of absence, your myMRA card is suspended unless you make arrangements with People First to continue payroll deductions while you are on leave. You can incur expenses during this period for reimbursement in accordance with IRS rules and regulations.

The Inventory Information Approval System (IIAS) helps certified merchants determine if you have an eligible health care expense, based on Section 213(d) of the IRS Code. This means myMRA card users’ eligible prescription and Over-the-Counter (OTC) purchases are automatically approved and paid for with their MRA funds.

Here is an example of how it works:

1. A myMRA card holder picks up a bottle of contact lens solution, a prescription and a magazine at the local drug store.
2. She uses her myMRA card at the register to pay for the purchase.
3. The IIAS system recognizes the myMRA card and follows FSA rules.
4. The IIAS system approves the contact lens solution and prescription, but not the magazine.

Not all retailers are currently compliant with the IIAS Standards Group. Be careful when making purchases at non-IIAS certified stores, as some ineligible purchases may be approved and result in certain penalties against your account.

That depends on the retailer. You should always keep receipts for myMRA card transactions in case you are ask to provide documentation. Some non-IIAS certified merchants do accept the myMRA card.

The MRA Grace Period allows you to use any funds left at the end of the plan year by March 15 of the new plan year. MRA claims work on a “first in, first out” basis. This means that the first claim received is the first claim paid, regardless of the service date. Your myMRA card transactions occur at the time of service.

Month of Eligible Service	When You Submit Claim	Order Claim is Paid
August 2010	October 2010	1
November 2010	March 2011	4
December 2010	January 2011	2
February 2, 2011	You used your myMRA card	3

If you have funds leftover from a previous plan year, you must submit any paper claims from the previous plan year and ensure they have been processed before using your myMRA card. If you use your myMRA card or submit current year paper claims at the beginning of a new plan year, the previous year’s MRA funds will be used first to pay for your eligible expenses. This could potentially deplete the remaining funds and prevent payment on any outstanding paper claims.

In addition, during the grace period, the state pays all claims from previous plan year funds until they are exhausted before funds in the new plan year are touched.

Balance in 2010 Account	Balance in 2011 Account	Claim	How Claim is Paid
$50	$500	$10 dated January 2011	$10 comes out of the 2010 account, leaving $40 in the account
$40	$500	$50 dated February 2011	$40 comes out of the 2010 account, leaving a balance of zero. The other $10 now comes out of the 2011 account.
$0	$490		New balances after claims are paid