Health reimbursement arrangements (HRAs)
There is no action required on your part to transition your health reimbursement arrangement (HRA) or your retiree health reimbursement arrangement (RHRA) to Fidelity. However, if you elected the Plus medical option for 2024, you will need to complete your preventive exam to receive your $500 in credits to spend on eligible medical expenses.
If you are an active U.S.-based mainline team member or COBRA participant (including COBRA participants who retire prior to Jan. 1, 2024), your HRA rollover credits will be accessible at Fidelity on or around Jan. 11, 2024. Your RHRA balance will also transition to Fidelity in January 2024 and will be available for eligible expenses when you retire.
If you are a retiree, your RHRA will remain with Smart-Choice until spring 2024, when it will transition to Fidelity. More details will follow in early 2024.
What's new
Your debit card
You will be mailed a new debit card, the NetBenefits AccessCard®, as part of this transition to Fidelity. This special-purpose Visa® debit card provides an easy way to pay for eligible expenses. The same card will give you access to your HRA funds (and your RHRA funds when you retire) and, if applicable, to any other spending account funds you may have (except the commuter account). When you use your NetBenefits AccessCard® to pay for eligible expenses, the amount is automatically deducted from the appropriate spending account. The card will be mailed to you in mid-December 2023 for use starting Jan. 11, 2024, following the transition blackout period (more details below). You also can request additional cards for eligible family members once you have received and activated your card.
Your contact for account support
The service center you’ve come to rely on for your American Airlines-sponsored 401(k) and pension is now here to help you with your spending accounts: the American Airlines Service Center at Fidelity at 800-354-3412. You can also use the online live chat feature on NetBenefits® to get support for your accounts.
Your online account access
Beginning the week of Jan. 1, 2024, you will be able to access your accounts online at NetBenefits (netbenefits.com/aa), where you can try new planning tools. Fidelity also offers an easy-to-use NetBenefits app for your phone or tablet that you can download from the Apple App Store® or Google PlayTM.
Key dates for the HRA
Below are some key dates to be aware of:
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Mid-December 2023: Your new NetBenefits AccessCard® is expected to ship to your home. Please be sure to activate your card.
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Dec. 1, 2023: The last day you’ll be able to use your Smart-Choice debit card for 2023 expenses.
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Dec. 8, 2023: Deadline to submit any reimbursements to Smart-Choice for your 2023 HRA expenses. You must include substantiation with your reimbursement claim to ensure it can be processed in time.
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Dec. 9, 2023-Jan. 10, 2024: HRA blackout period, during which you will not be able to access your 2023 HRA credits.
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Jan. 11, 2024: Date on which your HRA credits will be available at Fidelity.
Review the Key Dates page for more details on transition milestones and what you can expect at each stage.
Key dates for the RHRA
Below are some other key dates to be aware of:
- Jan. 11, 2024: RHRA transition is complete for active team members (including COBRA participants).
- April 1, 2024: RHRA transition is complete for retirees (excluding retirees on COBRA prior to Jan.1, 2024, whose RHRAs transitioned on Jan. 11).
Review the Key Dates page for more details on transition milestones and what you can expect at each stage.
Want more information?
Review the Frequently Asked Questions for answers to common questions.