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If You Saw an In-Network Provider and Paid Out-of-Pocket
While in-network providers have been asked by Aetna and Cigna to submit claims for JPMorganChase employees directly to their healthcare companies and not to ask for payment at the time of service, occasionally an in-network provider may nevertheless ask you to pay at the time of service.
  • If you elected automatic claim payment, you will typically be reimbursed automatically by your healthcare provider. However, if reimbursement is not made automatically, you will need to call your provider when you receive your Explanation of Benefits (EOB). The EOB will show that your healthcare company made payment to your provider. You should explain to the provider's billing office that they have been paid twice: once by you at the time of service, and again when the Plan paid them from your MRA/HCSA. (On the Cigna EOB, the "What My Accounts Paid" section shows the amount paid; on the Aetna EOB, this information is in the "You may owe" section.) If you need additional assistance, you can call the number on the back of your ID card or Health Advocate for help in getting reimbursed for amounts paid out-of-pocket (see "If You Have Questions About a Claim").
  • If you elected the debit card, use the MRA and/or HCSA Claim Form to request reimbursement from your accounts (see "How to Submit a Claim").