Premium Reimbursement (Non-Medicare)
This article applies to you if you have a Via Benefits reimbursement account (sometimes known as a Health Reimbursement Arrangement).*
You can be reimbursed for your monthly plan premiums in one of two ways, Recurring Premium Reimbursement or One-Time reimbursement.
Recurring Premium Reimbursement
If your employer allows it, Recurring Premium Reimbursement can be established for eligible premiums, paid to any insurance carrier.
You only need to request reimbursement once per year for each health plan premium you'd like reimbursed unless your premium changes. Submit your reimbursement requests on the Via Benefits Accounts mobile app or on the website. They're the fastest and most secure ways to have your reimbursements processed. You can also use a Reimbursement Request Form; however, it may take as much as 10 days longer for us to receive and process your request.
After we process your request, we begin sending you regular premium reimbursements at the beginning of each month for the remainder of the calendar year. If any previous months were included in your request, you're reimbursed for those months in a lump sum.
If your employer doesn't allow Recurring Premium Reimbursement, each month you need to submit a reimbursement request, along with proof of payment.
You need to submit a new Recurring Premium Reimbursement request each time your plan renews, which is typically 12 months after the plan went into effect. You also need to submit a new request if your premium changes during the year, even if you have the same plan.
Documentation Requirements
Your reimbursement request must be submitted with third-party documents that include:
Name of insured and covered participants
Carrier (e.g., Humana)
Premium type (e.g., medical)
Coverage period (e.g., 01/01/2022 - 12/31/2022)
Monthly amount (e.g., $200)
The annual policy statement or billing statement, sent to you by your insurance carrier, includes this information.
We need the first month's bill for which you want to be reimbursed. If you submit a bill from midyear, only the earliest statement month forward will be approved. For example, if you submit a March statement, January and February won't be approved.
One-Time Reimbursement
One-Time reimbursement requests for premium expenses should be used in limited situations when:
You paid in advance for future premiums for a medical insurance annual premium.
You want to be reimbursed for premiums paid under COBRA.
Your Reimbursement Guide provides more details on reimbursable expenses.
You can request reimbursement by submitting a reimbursement request on the Via Benefits Accounts mobile app, the website, or a Reimbursement Request Form.
Documentation Requirements
Your reimbursement request must be submitted with third-party documents that include:
Name of insured and covered participants
Carrier (e.g., Humana)
Premium type (e.g., medical)
Coverage period (e.g., 01/01/2022 - 12/31/2022)
Monthly amount (e.g., $200)
Proof of premium payment (e.g., canceled check, bank statement, payment receipt)
The annual policy statement or billing statement, sent to you by your insurance carrier, usually provides the required information. For COBRA, you can submit your COBRA Premium Statement showing insurance details and covered participants. Multiple documents can be submitted to provide the required information if it isn't located on the policy or billing statement.
Via Benefits reimbursement accounts are administered by Extend Health, LLC.
