How to Submit a Claim & Receive Reimbursement

If you paid for an eligible expense out of pocket—or if you don’t have a benefits card linked to your account—submitting a claim is the fastest way to access your funds. A claim allows you to be reimbursed directly from your tax-advantaged accounts for expenses you have already paid.

Table of Contents

•  Important Guidelines Before You File
• Step-by-Step: How to Submit a Claim
• How Will I Receive My Reimbursement?
• Helpful Resources

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⚠️ Important Guidelines Before You File

The IRS requires specific documentation to verify that all claims are eligible. Keep these structural rules in mind before filing:

• Medical & Dental FSA: You cannot request reimbursement for "pre-paid" services. The underlying medical or dental service must have already physically occurred.

• Dependent Care & Commuter Benefits: You are permitted to submit a claim for up to one month of future reimbursement. Rocky Mountain Reserve reviews these submissions to ensure they fall within the current active plan year.

• The Golden Rule of Receipts: Your supporting documents must clearly display the Provider/Merchant Name, Family Member Name, Date of Service, Amount Paid, and a clear Service Description.

🛠️ Step-by-Step: How to Submit a Claim

Rocky Mountain Reserve provides multiple convenient ways to file your claim.

Option 1: RMR Online Portal (Recommended)

1. Log in to your account at the RMR Online Portal.

2. On the left-hand sidebar menu, select Reimburse Me.

3. Upload Receipt: You can upload a digital file, scan a QR code to upload instantly from your mobile device, or select Skip Upload to enter details manually.

   💡 Pro Tip: If you upload a receipt first, our system automatically scans the document and auto-fills the form fields for you! 

   If our automated scanner displays a warning message such as:

   "Provider/Merchant and Service description or Amount paid or Date of Service not found!"

   Please bypass the warning and submit the claim anyway. As long as the details are clearly visible on your receipt document, our claims team will manually review and verify it for you.

4. Review & Edit: Double-check that the auto-filled fields match your paperwork: Provider/Merchant, Family Member, Date of Service, Amount, and Service Description.

5. Submit: Check the certification box to confirm the information is accurate and click Submit.

Option 2: RMR Mobile App

Open the RMR Mobile App on your smartphone and submit claims directly using your device's built-in camera to quickly capture and upload receipt images.

Option 3: Paper Claims

If you do not have internet access or a smartphone, you may request a physical paper claim form by emailing [e-mail]. We will mail a paper form to your home address on file.

💰 How Will I Receive My Reimbursement?

Once your claim has been uploaded, reviewed, and approved, your reimbursement will be issued automatically through your chosen payment election.

Reimbursement Method Options

Method	Cost	Estimated Timeline	Details
Direct Deposit	FREE	2–3 Business Days	Highly Recommended. Funds land directly in your designated checking or savings account.
PayPal	$1.95 per transaction	Instant to 3 Days	Reimbursed faster directly to your active PayPal account balance.
Venmo	$1.95 per transaction	Instant to 3 Days	Sent straight to your Venmo app for easy mobile spending or splitting.
Mailed Check	FREE (Default)	7–10 Business Days	A physical paper check is mailed to your home. (Ensure your address is updated in the portal.)

Helpful Resources

• Troubleshooting: If your claim status currently shows "Needs Help," please refer to our guide: FSA Documentation & Substantiation: A Quick Guide.

• To adjust your reimbursement method, refer to our guide: How to Add or Change Your Reimbursement Method

📞 Contact Participant Services

If your claim status shows "Needs Help" or you need to update your reimbursement method, reach out to our team:

• 💬 Live Chat: Available directly inside the RMR User Portal

• ✉️ Email: [e-mail]

• 📞 Phone: [phone]

• 🕒 Support Hours: Monday – Friday, 8:00 AM – 5:00 PM MST