State of Indiana Retirement Medical Benefits Account Plan

The Retirement Medical Benefits Account plan (RMBA) is for reimbursement of health insurance premiums. The RMBA is a benefit available to retired state of Indiana employees who are eligible for and have received a normal, unreduced, or disability retirement benefit. This includes state of Indiana employees in the PERF My Choice plan.

Additional information, forms, and documents regarding the Retirement Medical Benefits Account plan can be found, here.

Full-time employees of the executive, legislative, or judicial branches of state government have a Retirement Medical Benefits Account (RMBA), including:

• State elected officers
• Appointed officers who are appointed to fill State elected office vacancies
• Members of the Indiana General Assembly
• Elected officers paid by the State of Indiana
• An officer paid by the state under IC 33-23-5-10, IC 33-38-5-7, or IC 33-39-6-2
• Employees of the state who are members of the PERF My Choice Plan as of 7/1/2021

Your enrollment happens automatically – you don't have to complete any forms. Once your employer enters your last day in pay status, you automatically are enrolled in the RMBA, assuming you're eligible. Your account will be set up by Key Benefit Administrators (KBA) in approximately 3-6 weeks after INPRS has received your last day in pay from your employer.

You will receive a welcome packet from Key Benefit Administrators (KBA). INPRS has contracted with KBA for the administration of the RMBA. The welcome packet includes a contact information form as well as information for accessing the website, mobile app and customer service. 

No, contributions to the RMBA are made by the State of Indiana on your behalf.

The RMBA is a type of HRA (Health Reimbursement Arrangement). The RMBA is an HRA that solely reimburses certain health insurance premiums. 

While you are working for the State of Indiana, an annual contribution based on your age is put into an account for your future use toward qualifying expenses. If you become a qualified retired participant in RMBA, you can access the balance to obtain reimbursements for qualifying expenses. 

Qualifying participants receive an annual contribution based on age:

• Less than 30 years of age: $500/year
• At least 30, but less than 40: $800/year
• At least 40, but less than 50: $1,100/year
• At least 50: $1,400/year

You may use the funds in your account for the reimbursement of payments of qualifying expenses after you become eligible. To be considered eligible:

• Your employer has reported your last day in pay in your INPRS-covered position and you're eligible for a normal, unreduced retirement benefit or a disability benefit, or
• Are normal retirement age for PERF My Choice members (age 62 or older) with five or more years in the plan, or
• Completed at least 10 years of service as a state elected or an appointed officer on your last day of service.

Your employer must first inform INPRS of your last day in pay. After this has been completed and you meet the qualifications of a retired participant, KBA will set up your RMBA account. Usually, this process takes approximately 8-12 weeks after your last day in pay is reported.  When this happens, you will receive a welcome packet from KBA.

Your claim should include a bill or receipt showing the type of insurance, the name of the provider, your full name and/or your spouse or covered dependent, the month(s) covered, the amount of the premium, and proof of payment.

There are only four qualified premium expenses for reimbursement under this plan: medical, dental, vision, and tax-qualified long-term care.

Reimbursement requests for qualified expenses must be submitted within 90 days of the plan year end. For RMBA, plan years are from July 1 to June 30 each year.  Ninety (90) days after the plan year falls on the last business day in September of the plan year. After submitting a written claim, along with appropriate supporting documentation, approved claims are usually released for payment within 14 business days.

If you are retired and have Medicare A, B, or D you can send your latest annual letter you received from Social Security Administration indicating the payments being deducted from your benefit check for Medicare premiums.

If you are 65 or older and have a supplemental policy, you can send a copy of the summary page indicating the cost and type of coverage (dental, vision, etc.)

If you are retired and not eligible for Medicare yet, you can send a copy of the summary page indicating the monthly cost and type of coverage of the insurance you have.

If you are still working at another employer or your spouse is still working with group coverage, the following qualifies as proof of insurance:

• A statement indicating the premiums are not paid with pre-tax dollars, provided by your employer on their letterhead with an authorized signature.
• A copy of the paycheck stub(s) for the month a reimbursement is requested.

Your welcome packet includes:

• A welcome letter with the amount of your benefit and effective date
• Plan information and services, including information to establish an online account
• Plan FAQs
• A contact information form
• A direct deposit authorization form
• An automatic payment authorization form, and
• A claim form.

If you leave before you retire, the money leftover in the reimbursement account will be forfeited to the Trust Fund as of the date of your termination of employment.

You will be able to access KBA’s Wex system after you have received your RMBA welcome packet, which should arrive anywhere from three to six weeks after your last day in pay has been reported by your employer. You can login from the RMBA Fund Page on our site here.

The following people are eligible to participate in the RMBA plan if they are classified as a full-time employee:

• Employees of the executive, legislative or judicial branch of state government;
• State elected officers;
• Certain Police offers of the executive branch (eligible for medical benefits);
• Appointed officers who are appointed to fill State elected office vacancies;
• Members of the Indiana General Assembly.

For more details about eligibility for the plan, click here and visit page 4, section 2.1.

A "retired participant" means: (a) a participant who is eligible for a normal, unreduced, or disability retirement benefit (as determined by the Indiana public employee retirement fund of which the participant is a member) on the participant's last day of service,

(b) a participant who has completed at least 10 years of service as an elected or appointed officer on the participant's last day of service as an elected or appointed officer. For purposes of this subdivision, any partial year of service completed by the participant in the year in which the participant is appointed to fill a vacant elected office shall be one complete year of service, or

(c) beginning July 1, 2021, a participant in PERF My Choice who is the normal retirement age (age 62) and has 5 years of service as of the participant’s last day of service.

You will receive a welcome packet from KBA. The welcome packet includes a contact information form, as well as information for accessing the website, mobile app and customer service.  The contact information form must be completed and returned to KBA to activate your RMBA benefits. You can find more information and links here. 

To receive your reimbursement, you must send documentation along with a signed claim form to KBA to the address or fax number listed below.

Documentation and forms must be submitted no later than 90 days after the end of the plan year, which is from July 1 to June 30, in which the expenses were paid after they were incurred. An expense will be “incurred” when the premium is incurred and paid by the retired participant or their covered dependent.

Proper documentation should include a bill or receipt showing the type of insurance, the name of the provider, your full name and/or the spouse or covered dependent, the month(s) covered, and the amount of the premium and proof of payment. You may also choose to upload these documents through the FlexPro mobile app or through your online account.

FlexPro Key Benefit Administrators 
P.O. Box 55210 
Indianapolis, IN  46205 
Fax:  866-241-1488

To receive your reimbursement, you can either choose direct deposit or receive a check in the mail. To enroll in direct deposit, you will receive documentation in the mail that you will need to fill out. If you choose not to fill out the documentation for direct deposit, you will be mailed a check.