欧美群交

Q:  Do I need to meet with American Fidelity during the enrollment? 
A:   Yes. Because this is a new system and data accuracy is vital, we are requesting that all employees meet with an American Fidelity representative this year to complete their health and/or supplemental benefits enrollment.

Q:  When will appointments be available with American Fidelity?鈥� 
A:   The enrollment will begin October 20th, 2025, and continue through November 14th, 2025. American Fidelity representatives will be on site to meet with employees. An up-to-date schedule and option to schedule your appointment is available in the "In-Person Schedule" tab.

Q:  What will be covered during the meeting with American Fidelity? 
A:   An American Fidelity representative will confirm your medical, dental, and vision benefits for the upcoming plan year. They will also review pre-tax options, including Flexible Spending Accounts, Health Savings and HRA accounts. You must sign a new pre-tax election form with American Fidelity to continue receiving pre-tax benefits. As this is the first year on our new secure online system, during your appointment they will take your census information.

Q:   What do I need to bring to my appointment with American Fidelity? 
A:    If you are adding a spouse or dependent child, additional documents may be required. You will need dates of birth and social security numbers for dependents who are being covered on your benefits. See "Required Documentation" tab.

Q:   Will I have the option to find out more about additional supplemental benefits? 
A:   Yes, you鈥檒l be able to learn more about benefit options that could be important to you and鈥痽our family, such as disability insurance, life insurance, annuities, and accident protection.鈥�

There is no obligation to purchase supplemental insurance from American Fidelity. 

Q:   What is an HRA?
A:    A Health Reimbursement Account (HRA) is an employer-funded account that reimburses employees for qualified medical expenses. Unlike an HSA or FSA, employees do not contribute to an HRA - the funds are provided solely by 欧美群交. For more information, visit

Q:   How does an HRA work?
       1. 欧美群交 sets aside a specific allowance for the plan year. In this case, $200 per month.
       2. You pay for eligible medical expenses out of pocket.
       3. You submit receipts or claims for reimbursement.
       4. Once approved, you are reimbursed tax-free, up to the available balance in the account.

Q:   What types of expenses are covered?
A:    HRAs typically cover IRS-approved medical expenses, which may include:
       鈼� Deductibles, copays, and coinsurance
       鈼� Prescription drugs
       鈼� Medical, dental, and vision expenses
       鈼�Certain over-the-counter items

For a full list, see American Fidelity鈥檚 Eligible and Ineligible Expenses page.

Q:   Do I need to be enrolled in a specific health plan to use the HRA?
A:    Yes. You are eligible to receive the HRA if you enroll in one of the following:
       鈼� Blue Shield PPO 80M
       鈼� Kaiser HMO $10

欧美群交 contributes $200 per month into your HRA.

Q:   Do unused HRA funds roll over to the next year?
A:    Yes, as long as you remain enrolled in a qualified plan such as the Blue Shield PPO 80M or the Kaiser HMO $10.

Q:   How do I get reimbursed?
       鈼� Submit a claim through your employer鈥檚 administrator (online portal, app, or paper form).
       鈼� Provide receipts or Explanation of Benefits (EOBs) as proof.
       鈼� Reimbursements are usually made via direct deposit or check.

Q:   How is an HRA different from an HSA or FSA?
       鈼� HRA: Funded only by the employer; no employee contributions
       鈼� HSA: Employee and/or employer can contribute; portable; must be paired with a high-deductible health plan
       鈼� FSA: Funded by employee pre-tax dollars (sometimes with employer contributions); 鈥渦se-it-or-lose-it鈥� rules usually apply

Q:   What happens if I change from and HRA eligible health plan to a non-HRA eligible health plan?
A:    If you switch to a non-HRA eligible health plan, any remaining funds in your HRA will not transfer your new plan. HRA funds are only available while you are enrolled in an HRA-eligible health plan and cannot be rolled over or used once you move to a non-HRA eligible health plan option. Be sure to use any remaining HRA funds before your HRA coverage ends.

Q:   What can I do with an HSA?
A:    A Health Savings Account (HSA) allows you to use funds you set aside plus Hartnell鈥檚 monthly contribution to pay for qualified medical, pharmacy, dental, and vision expenses鈥攐r save and grow those funds for future use. 欧美群交 contributes $350 per month into your HSA.

Q:   How do I use an HSA?
       鈼� You can pay directly with your HSA debit card at the time of service or purchase
       鈼� Or, pay out-of-pocket and reimburse yourself later
       鈼� Make sure to keep all receipts and Explanation of Benefits (EOB)

Q:   How can I open an HSA?
A:    You can open an HSA with American Fidelity. For more information, you can visit

Q:   What is a qualified expense?
A:    Qualified expenses are IRS-approved medical, dental, vision, and prescription costs. Many over-the-counter (OTC) items also qualify.

Eligible expenses include:
       鈼� Acupuncture
       鈼� Birth control treatment
       鈼� Blood sugar test kits for diabetics
       鈼� Breast pumps and lactation supplies
       鈼� Crutches
       鈼� Dental treatments (including X-rays, cleanings, fillings, sealants, braces, and tooth removals)
       鈼� Doctor鈥檚 office visits and co-pays
       鈼� Drug addiction treatment
       鈼� Eyeglasses (Rx and reading)
       鈼� Hearing aids and batteries
       鈼� Physical therapy
       鈼� Speech therapy
       鈼� Smoking cessation programs

Ineligible expenses include:
       鈼� Cosmetic surgery
       鈼� Electrolysis or hair removal
       鈼� Toiletries (e.g. toothbrush, toothpaste)

For a full list, see page.