A PRIMER ON THE ROCKY FLATS RETIREE REIMBURSEMENT ACCOUNT FOR THOSE  OVER AGE 65: (updated Dec 2025)

This is not a Homesteader, A Rocky Flats Benefits, An Optum Bank, or A United Health Care document.  It was prepared by a retiree and for his children and friends.  The complete and official rules are in The Rocky Flats Benefits, United Health Care, and Optum documents. 

Call the UHC call center at 844-355-3359 for forms, or questions.

Eligible Rocky Flats retirees and their eligible spouses over the age of 65 have a Retiree Reimbursement Account (RRA) that is to be used for reimbursing eligible medical expenses, prescription drugs, insurance premiums, dental, eyeglasses, co-pays, etc.  For those married couples who are both eligible for an RRA; in the event one spouse depletes all funds in their RRA account, that spouse may submit expenses for reimbursement from the other spouse’s RRA account provided funds are available.  No new eligible spouses or dependents are allowed after 1/1/2022.  UHC’s call center can answer questions/assist regarding these types of claims at 844-355-3359.  Retirees and spouses are free to enroll in whatever medical and/or prescription drug plan best fits their individual needs.  This enrollment does not impact eligibility for the RRA.  Unused RRA funds are carried forward from one year to the next.

In the event RRA funds are exhausted in a participant’s account, that account is frozen until additional funds are deposited.  Annually, funds are deposited at the beginning of the calendar year.  It is important to note that even though the RRA account is frozen, any eligible claims not previously paid or that are submitted during the period that the account is frozen are put in a hold status and are processed (deducted from available funds) when the account is once again funded.  Retirees and spouses can track individual Available Account Balances, Paid Claims, Pending Claims, Denied Claims, etc., by regularly reviewing their specific RRA information at www.UHCRetireeAccounts.com.   Each participant (retiree and spouse separately) must set up their own username and password in order to access this information.  Funds in an RRA are forfeited upon death.  Family members have 180 days from the date of death to submit claims for reimbursement incurred prior to the date of death for the deceased eligible retiree/spouse. 

For eligible surviving spouses, their RRA remains intact as long as they remain eligible for the benefit.  In order to retain eligibility, they must complete a Surviving Spouse Affidavit form at the time of the retiree’s death certifying that they are eligible for benefits.   Questions regarding this Surviving spouse Affidavit and/or surviving spouse eligibility should be directed to the Rocky Flats Benefits Center at 1-866-296-5036.

How the RRA is funded

The Rocky Flats Benefits Center automatically funds each RRA account at the beginning of each calendar year with an amount predetermined based on the retiree’s date of retirement. No action by the retiree is required for this annual funding.  Eligible retirees and spouses can track/confirm these annual contributions by viewing the Contributions Overview section of their RRA accounts on-line at www.UHCRetireeAccounts.com.  Additionally, retirees and surviving spouse’s receive a Confirmation Statement from the Rocky Flats Benefits Center in November of each year that includes this annual funding information.

For salaried retirees only, The Rocky Flats Benefits Center will also fund, at the beginning of each calendar year, to all salaried retirees and spouses RRA accounts, an amount equal to that year’s standard Medicare Part B monthly premium times 12.  (Standard Medicare Part B premium X 12 = amount to be funded to each Salaried retiree/spouse RRA account in January annually.)  No action is required by the retiree/spouse to obtain this Medicare Part B funding.

How money is disbursed / reimbursed from the RRA Insurance Premiums

To be reimbursed for the Medicare Part B premium, health insurance premiums, and prescription drug insurance premiums, an annual Recurring Premium Expense Reimbursement Request form must be submitted for each new calendar year. This form is received from the carrier at the end of each year or can be obtained on-line at www.UHCRetireeAccounts.com (Statements and Documents) or by contacting UHC’s call center at 1-844-355-3359. Proof of the new year’s premiums MUST be submitted with this request form. The proof for the Medicare Part B premium is on the annual Social Security “Your New Benefit Amount” statement which is received each year in December; the UHC health and prescription drug premiums are in the UHC Annual Notice of Changes 202x received in the fall of each year. Properly filled out, this will result in premium amounts being reimbursed and deposited monthly in the retiree’s/spouse’s bank account as designated. The retiree and/or spouse must each separately submit the Recurring Premium Expense Reimbursement Request form for each new calendar year to receive a monthly reimbursement. Questions should be directed to the RRA call center at 1-844-355-3359.  This information can be mailed to the address on the Claim form or it can be submitted on-line at http://www.UHCRetireeAccounts.com.

How to use the RRA for non-insurance premium medical expenses

One way is to use the United Health Care Payment Card (Mastercard Debit card) to pay the service provider.

A detailed (itemized) receipt must be obtained from the service provider.  This receipt will be requested by the RRA custodian. Itemized receipts are not usually requested for pharmacy co-pays. Acceptable receipts can be a problem. To obtain the required receipt, call the provider’s billing office and tell them you need an ITEMIZED receipt acceptable to a Health Reimbursement program. This receipt must have the patient’s name, the date of services, a description of services, total cost of services performed, and how much the patient has paid. Tip:  Submit one Retiree Reimbursement Claim Form for each type of expense.  These forms are received from the carrier at the end of each year or can be obtained on-line at www.UHCRetireeAccounts.com (Statements and Documents) or by contacting UHC’s call center at 1-844-355-3359.  If a receipt request is received from UHC(Optum) but the required itemized receipt is not sent in by the retiree/spouse, the UHC Mastercard payment card and the RRA account can be suspended until the required information is received by UHC.  Send itemized receipts with a Retiree Reimbursement Claim form to the address on the claim form, or this information can be submitted on-line at www.UHCRetireeAccounts.com.

Call the UHC call center at 844-355-3359 for forms, or questions.