Health Reimbursement Arrangement (HRA) Resources

An HRA is a reimbursement account set up and funded by your employer to cover eligible healthcare expenses, as defined in the HRA Summary Plan Document. Your employer owns the account and defines the services eligible for reimbursement from an HRA. Check your employer's HRA Summary Plan Document to see what types of services are covered under the HRA being offered by your employer.

To enroll in an HRA you must elect the option through your employer. Check with your employer's benefit department for more details.

All funds in your HRA are provided by your employer to offset certain out-of-pocket healthcare expenses.

You can continue to submit claims for reimbursement for expenses that were incurred prior to your termination or retirement date before the end of the run-out period. The run-out period is defined in your employer’s HRA Summary Plan Document.

For example: Your plan has a 90-day run-out period following termination of employment, and your termination date is April 12. Your physician sees you on April 10, but you do not receive the Explanation of Benefits (EOB) from your insurance carrier until June 30. You can still submit this expense as it was incurred prior to your termination date, and prior to the end of the 90-day run-out period that follows your date of termination. However, any expense incurred after the April 12 termination date is not eligible. 

Typically in order to be considered an eligible expense, the expense must be incurred prior to your termination of employment date. However, depending upon plan design, you may be able to continue your HRA coverage under COBRA or use funds during retirement. Please refer to your employer’s HRA Summary Plan Document for more details.

Since HRAs are customized by your employer, you will need to refer to your benefits department or your employer’s HRA Summary Plan Document.  

There are multiple ways to submit a claim:  

• Log into your account at 53hsa.com and click on “File a Claim”
• Log into your account on the Fifth Third Bank Mobile App and click on “File a Claim” (NOTE: Not all plans have the ability to submit a claim via the mobile app.) 
• Complete the Health Reimbursement Arrangement (HRA) Claim Reimbursement Request Form; include the appropriate documentation and send to Chard Snyder:
  • Email:  [email protected]
  • Fax: 1-888-245-8452
  • Mail:
    Chard Snyder
    ATTN: Claims Department
    6867 Cintas Blvd
    Mason, OH  45040

For an HRA Reimbursement, two types of documentation can be submitted:

• Explanation of Benefits (EOB)
  Every time a claim is submitted to your health insurance carrier, you will receive an EOB statement detailing what the health plan will pay, in addition to what you are responsible for paying. For any expense that is partially covered by another insurance carrier, you must attach a copy of both EOBs.

• Itemized Receipts
  For expenses that are not submitted to another insurance plan, you must attach a copy of the itemized receipt that contains all of the information below:
  • Name of patient
  • Name and address of provider
  • Description of service
  • Date of service
  • Amount of service

Check your HRA Summary Plan Document to determine what supporting documentation is required for claim submission.

You will receive an email or letter indicating the reason for the denial, along with instructions for submitting the requested documentation, if applicable.

There are a few reasons why your Fifth Third Multi-Benefit Card may not work. Before contacting Chard Snyder for additional assistance there are a few actions we recommend you take:

• Verify that your HRA plan allows for debit card reimbursement
  • Check your HRA Summary Plan Document for details on how you may be reimbursed
• Verify that you have activated your Fifth Third Multi-Benefit Card
  • If you have never activated your debit card, you may activate it by calling 1-866-898-9795
• Verify that your debit card is not suspended due to a request for additional documentation
  • Log in to your account online or the mobile app to view any pending documentation requests
• Verify that you have funds under Available Balance in your account
  • Log in to your account online or the mobile app to view your account summary
• Verify the expense you are trying to purchase is eligible for reimbursement
  • Check your HRA Summary Plan Document for details on what expenses are eligible

If your HRA plan allows for the debit card, you have activated your Fifth Third Multi-Benefit Card, you do not have any outstanding documentation requests, you have an Available Balance in your account, and the expense you are trying to purchase is eligible, please contact Chard Snyder for additional assistance.

• Call: 1-888-350-5353
• Email: [email protected]

Your Fifth Third Multi-Benefit Card is smarter than the average card and recognizes many eligible expenses. Because the rules of your Health Reimbursement Arrangement are specifically created by your employer, and the funds given to you are tax-free, IRS regulations will sometimes require us to ask you for a copy of an itemized receipt or an EOB, depending on the documentation requirements of your plan.   

NOTE: Not all HRA plans are compatible with debit card reimbursement, and additional documentation requests may not apply.

You may submit your debit card substantiation via any of the methods below:

• Log into your account at 53hsa.com and upload the documentation by clicking on the request listed under “Tasks”
• Log into your account on the Fifth Third Bank Mobile App and upload the documentation
• Along with a copy of the debit card substantiation letter emailed or mailed to you, send the requested documentation to Chard Snyder:
  • Email:  [email protected]
  • Fax: 1-888-245-8452
  • US Mail:
    Chard Snyder
    ATTN: Claims Department
    6867 Cintas Blvd
    Mason, OH  45040

There are multiple reasons why you may be asked to repay your account including but not limited to:

• After additional documentation was received, it was determined that the date of service was not during the plan year.
• After additional documentation was received, it was determined that the service provided was not an eligible service.
• We did not receive the additional documentation

There are multiple ways to repay:

• Log into your online portal, link a bank account, and repay via direct deposit
• Log into the Fifth Third HSA Mobile App, link a bank account, and repay via direct deposit
• Along with the letter you received, send a repayment check to Chard Snyder

If your plan-year account balance is not negative, you may submit additional claims incurred during that plan year that total equal to or greater than the amount of the repayment requested. Note: Any claim submitted for reimbursement for a plan year that has a pending repayment request will automatically be applied towards that repayment.

• Visit www.53hsa.com 
• Select the link labeled “Existing User Log in” in the middle of the home page
• A message stating you are leaving a Fifth Third website will appear. Select “Continue”
• Enter the username and password for your account and select “Login”. If you have not logged into your account previously, check a notification that was sent immediately after your enrollment in our system to the email address we have on file for you. That email notification contains your default username and password. Once you have logged in for the first time, you will be asked to change the default password to a password of your choice.

On your iPhone or Android device, visit the App Store or Google Play and search for 53hsa or Fifth Third Bank HSA and select “GET” to download the mobile app.