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A Medical Plan that works hard for you.
Cigna Healthcare® helps you manage your health – and your health care expenses – so you can make the most of your benefits.
Medical Reimbursement Account
When you enroll in the U.S. Medical Plan Option 1 or Option 2 through Cigna Healthcare, you will automatically be set up with a Medical Reimbursement Account (MRA). JPMorganChase contributes money to your MRA when you, as the JPMorganChase employee, participate in certain wellness activities each year. Earning all available Wellness Rewards in your MRA can really help offset the amount you pay out of pocket for medical and prescription expenses (deductibles, coinsurance and copayments).
Your Wellness Incentive Plan [PDF]
More about MRA
If you have any unused dollars in your MRA at the end of the year, they will carry over to the next year as long as you remain employed with JPMorganChase and are enrolled in the JPMC Medical Plan. The money in your MRA is tax-free.1
If you have any questions regarding the MRA, HCSA and/or DCSA, call 800.790.3086 to speak with a Cigna One Guide® personal guide today.
Health Care Spending Account
A Health Care Spending Account (HCSA), also known as a Flexible Spending Account, allows you to allocate pretax1 money to help cover qualified out-of-pocket medical and prescription drug expenses after your MRA funds are used. It can also be used for qualified out-of-pocket dental and vision expenses.
A Dependent Care Spending Account
A Dependent Care Spending Account (DCSA) allows you to allocate pretax1 money to help pay for eligible dependent care services, such as preschool, summer day camp, before- or after-school programs, and child or adult day care.
Important note: During the annual benefits enrollment, you will be able to choose between the payment option of Automatic Claim Payment or a Debit Card to pay claims from your MRA and HCSA. When you choose Automatic Claim Payment, funds from your MRA and then HCSA (if you have one) are automatically used to pay your portion of medical care and prescription expenses until funds run out. Automatic verification takes place to confirm the expense is eligible. With the Debit Card, you have the flexibility to choose when you want to use your MRA and HCSA funds. If you enroll in the debit card option, you will be encouraged to keep your receipts in the event that you need to substantiate past payments. To learn more, go to My Health > 2025 Benefit Resources > MRA HCSA and Payment Options.
The debit card feature works best for people who want to be in complete control of the money in their accounts. The debit card option is also best if you receive assistance with the cost of your prescriptions by using a manufacturer discount card or through a government assistance program.
1Some cities and municipalities may impose income taxes on MRAs, FSAs or DCSAs. For detailed information, please contact your local department of taxation.
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The information on this site is only a general description of benefits and not a contract. Refer to your employer’s plan documents for costs and complete details of coverage. If there are any differences between the information on this site and the plan documents, the terms of the plan documents will apply.
Medical Plan benefits are funded by your employer and administered by Cigna Health and Life Insurance Company. Cigna Dental Care (DHMO) Plans are insured by Cigna Dental Health Plan of Arizona, Inc., Cigna Dental Health of California, Inc., Cigna Dental Health of Colorado, Inc., Cigna Dental Health of Delaware, Inc., Cigna Dental Health of Florida, Inc., a Prepaid Limited Health Services Organization licensed under Chapter 636, Florida Statutes, Cigna Dental Health of Kansas, Inc. (KS & NE), Cigna Dental Health of Kentucky, Inc. (KY & IL), Cigna Dental Health of Maryland, Inc., Cigna Dental Health of Missouri, Inc., Cigna Dental Health of New Jersey, Inc., Cigna Dental Health of North Carolina, Inc., Cigna Dental Health of Ohio, Inc., Cigna Dental Health of Pennsylvania, Inc., Cigna Dental Health of Texas, Inc., and Cigna Dental Health of Virginia, Inc. In other states, Cigna Dental Care plans are insured by Cigna Health and Life Insurance Company (CHLIC) or Cigna HealthCare of Connecticut, Inc., and administered by Cigna Dental Health, Inc. Plans may not be available in all areas. All health benefit plans and dental insurance policies have exclusions and limitations. For costs and details of coverage, see your plan documents.
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