NDPERS Retiree Health Insurance Credit (RHIC) Program
The NDPERS RHIC Program
is a plan that was funded by your employer during your working years. You earn $5 for
every year of service credit. Upon retirement, reimbursement up to your monthly RHIC amount may be issued to you
for eligible insurance premium expenses. ASIFlex is the third party administrator for the RHIC program and will
maintain RHIC account records, issue reimbursements, and provide customer service to answer any RHIC
reimbursement related questions. Below are answers to frequently asked questions regarding your RHIC account.
1. Who is eligible for the
NDPERS, NDHPRS, and Job Service Defined Benefit Plan pensioners drawing a monthly
least annually; and eligible surviving spouses of NDPERS members receiving a joint and
survivor RHIC benefit. If you have questions regarding your eligibility or calculated RHIC
benefit, please contact NDPERS or log in to your NDPERS Member Self Service (MSS)
2. How is my RHIC
Your RHIC benefit amount is calculated based on your years of service and age at date
may be reduced. To verify your available RHIC reimbursement amount, login to your
NDPERS Member Self Service (MSS) account online.
3. What expenses are
Health Plans – NDPERS sponsored or non-NDPERS sponsored plans *
Dental – NDPERS sponsored plan only
Vision – NDPERS sponsored plan only
Long-Term Care – NDPERS sponsored plan only
Life Insurance – not an eligible premium expense
Supplemental Insurances – not an eligible premium expense
*If you have an employer-sponsored health plan, premiums must be an after-tax
*Medical sharing groups are not engaged in the business of insurance and are not
regulated. Therefore, these groups are excluded as eligible insurance plans.
4. What documentation is
required for NDPERS
For NDPERS sponsored health/prescription drug, dental and vision plans, no action will
be required on your part for monthly reimbursement. NDPERS will report your
monthly premium amounts to ASIFlex and a
check will be sent to your address of
record if direct deposit is not set up.
5. What documentation is
For non-NDPERS health/prescription drug plans or NDPERS long term care insurance,
you will need to provide the following:
statement from your insurance carrier showing dates of your premium
coverage period, type of insurance, and premium amount
copy of cancelled check, credit card receipt, or electronic payments
ASIFlex Claim Form – Complete form and mail with required documentation to
for eligible premiums?
For NDPERS sponsored health/prescription drug, dental and vision plans, NDPERS will
establish your account and report your monthly premium amount and RHIC to ASIFlex
who will issue reimbursement to you.
For all other plans, you can submit a claim form with proper documentation and proof
also be able to submit claims online at asiflex.com or through the ASIFlex Mobile app.
7. What are the payment
You are encouraged to sign up to receive payments via direct deposit to a designated
bank account. If you do not sign up for direct deposit, a check will be mailed to your
address on file. Bank direct deposit forms are available on the ASIFlex website.
NOTE: NDPERS and ASIFlex are not responsible for lost or stolen checks or for delayed mail. For
8. How often does ASIFlex
Claims are processed daily, with payments issued within one to three business days.
You will also be able to sign up for electronic communication via email and/or text
alerts. ASIFlex will send notice to you each time a payment is made.
9. How often can I submit
claims for my non-
You may submit claims on any frequency that is convenient for you. You may submit
monthly, quarterly, semi-annually, or even annually.
10. Can I receive premium
reimbursement if I am
a covered dependent?
You may submit claims for any eligible premium expense incurred as either the primary
contract holder or as a covered dependent on a spouse’s contract. Your policy may be
employer-sponsored or an individual insurance plan.
11. Is there a deadline to
file for reimbursement
for non-NDPERS plans?
The plan year is July 1 through June 30. The deadline to submit claims incurred during
the plan year is September 30
following the close of the plan year.
RHIC not claimed by the September 30
deadline following the close of the plan year is
13. Can I accumulate and
carry over funds from
month to month?
No. You can claim up to your monthly RHIC benefit amount each month, for any
combination of eligible premiums paid for that month. If your premiums are less than
your RHIC benefit amount, leftover funds do not carry forward to the next month. If
your monthly premiums are more than your RHIC benefit, the plan will reimburse you
up to your monthly RHIC amount.
14. Am I still eligible for a
federal health plan
If you are eligible for a federal subsidy through the healthcare exchange, you may not
receive reimbursement of your RHIC benefit in addition to the lower amount paid for
your health coverage.
Some things to remember
ASIFlex will mail a letter to you containing a personal identification number (PIN) that you can use to register
You can submit claims for non-NDPERS sponsored medical plan premiums or NDPERS long term care insurance
RHIC eligibility requests should be directed to NDPERS. RHIC direct deposit authorization forms and claim form
NDPERS Retiree Health Insurance Credit (RHIC) Program (cont’d)