Family Reimbursement Accounts (FRA)
Family Reimbursement Accounts (FRA)
Embedded Files
MCPASD offers Family Reimbursement Accounts (FRA) through Employee Benefits Corporation (EBC). A Family Reimbursement Account is a program where MCPASD will pay 100% of eligible in-network medical and prescription drug expenses for employees and/or their dependent(s) who switch from the district health plan to another group health plan.
Eligibility and Enrollment
Eligibility and Enrollment
To be eligible, you must meet one of these criteria:
Any current employee and/or dependent currently enrolled in the MCPASD health insurance plan and has access to other employer-sponsored coverage (e.g., spouse's or parent's employer plan).
New hires after 1/1/26 and/or their dependents who are eligible for the health insurance plan and have access to other employer-sponsored coverage.
To receive the benefits of the FRA, you must:
Enroll in the other employer-sponsored coverage
This enrollment must result in a change in tier in one of the following ways:
Single Plan to waive coverage
Family Plan to Single Plan
Family Plan to waive coverage
If an employee makes a change in tier, a benefit team member will reach out with a FRA Enrollment Form. This form will need to be completed and returned to the benefits team.
Plan Information
Plan Information
How does it work?
You will typically pay out-of-pocket for eligible medical and prescription drug expenses first. You then submit a claim with documentation (like receipts or Explanation of Benefits statements) for reimbursement from your FRA.
Eligible expenses include:
Deductibles
Copays
Coinsurance
Prescription drug costs
Eligible expenses does not include premiums
What are the benefits?
What are the benefits?
100% of eligible in-network out-of-pocket medical/pharmacy expenses will be reimbursed up to the ACA Max for 2026 ($10,150 Single / $20,300 Family)
Example: A $5,000 surgery bill would be reimbursed in full
Tax Advantages: Reimbursements for qualified medical expenses are tax-free
Enhanced flexibility and potential savings on healthcare expenses
For employees who prefer other insurance carriers available through a spouse's or parent's employer plan that was previously cost-prohibitive, the FRA may make switching to that preferred carrier a practical option
Employees who enroll in the FRA will still have access to the Employee Wellness Clinic for themselves and their dependents with a $20 copay (not eligible for FRA reimbursement)
Employee Benefits Corporation
PO Box 44347
Madison, WI 53744-4347
Local: (608) 831-8445
Toll-free: (800) 346-2126
Fax: (608) 831-4790
Page updated
Report abuse