Partner Coverage Health Reimbursement Account (PCHRA)

You are eligible for the PCHRA if you have access to enroll in an alternate group medical plan.

You can enroll in the PCHRA during your Open Enrollment Period or during a qualifying life event. Contact your Human Resources department for assistance.

If you have access to alternate group medical and prescription drug coverage, your Partner Coverage HRA could cover up to 100% of your out-of-pocket medical expenses. The program will reimburse you for eligible co-pays, co-insurance and deductibles incurred through your alternate group medical plan up to $5,000/single and $10,000/family per year. No premium contribution will be deducted from your paycheck. The plan will also reimburse you for the premium contribution paid for the alternate coverage if it exceeds the premium contribution, you would have paid to remain on the CHLA medical plan, up to a maximum of $200/single, $400/two-party, $600/family per month. If your spouse is currently enrolled in their medical plan, you will be reimbursed for any increase in premium to add you and/or your dependents, up to the above monthly maximums. If the cost of alternate coverage is less than you would have paid for the CHLA medical plan, the premium contribution reimbursement in $0

You can use your benefits for eligible co-pays, co-insurance, and deductibles that you and your family have to pay under your alternate group health plan.

You can access your benefits by using your debit card. If you don’t have your debit card handy, submit a claim by uploading the receipts in the mobile app or by filing a paper claim.

You might currently be enrolled in a Health Reimbursement Arrangement (HRA) or a Flexible Spending Account (FSA). It’s important to note that reimbursement cannot be obtained simultaneously from both the PCHRA and your HSA or FSA.

You have various options available for filing a claim: through our portal, the Mobile App or the conventional paper method.

Use your Pinnacle Debit Card to pay for your service or prescription at point of sale. A claim will be automatically created and added to your portal. Be sure to save your receipt in case additional verification is required.

Request reimbursement by visiting chla.pinnacletpa.com. Refer to the resources tab for a QuickStart guide on how to file a claim.

If you choose to go the paper route, follow these steps:

1. Complete the CHLA claim form.
2. Sign the claim form.
3. Send the claim for to [email protected], fax it to (949) 253-5420 or mail it to the following address:

Pinnacle Claims Management Inc. 

P.O. Box 2220 

Newport Beach, CA 92658

Traditionally, claims are paid between 1-2 weeks, but it can take up to 30 days. If you need assistance with a claim, please contact customer service at (888)567-8058 or email [email protected].

Yes. Premium reimbursement is available if you are eligible.

If the price of enrolling in an alternate health plan costs more than your CHLA health plan, you could be eligible to receive a premium reimbursement for the difference. Please email us with the required documents to see if you’re eligible. Email: [email protected]

For newly eligible employees electing the PCHRA, reimbursement calculations will be based on the applicable CHLA PPO plan contribution rates.
For employees currently enrolled in a CHLA medical plan who transition to the PCHRA, reimbursement calculations will be based on the CHLA medical plan in which they are currently enrolled at the time of transition.

Coverage Tier Monthly Maximum
Employee + Spouse/Child $400
Employee + Children $600
Family Coverage $600

Proof of Coverage
Documentation must show:
• Employee name
• Covered dependents (if applicable)
• Coverage effective date
• Coverage tier
Proof of Premium Contribution
Submit a current paystub showing:
• Premium deduction amount
• Deduction frequency
• Whether deductions are pre-tax or post-tax
• Breakdown of cost (EE-Only, EE+Spouse, EE+Family)
You may redact unrelated payroll information.

Use your Pinnacle Debit Card to pay for your service or prescription at point of sale. A claim will be automatically created and added to your portal. Be sure to save your receipt in case additional verification is required. We have created a QuickStart guide that will walk you through how to use the debit card and the reimbursement portal.

You will receive your debit card in 7 to 10 days via the USPS once you complete your attestation and set up your benefits.

You will be receiving two cards: one for your personal use as the employee, and another for your dependents. Please keep in mind that your name, as the employee, will be printed on both cards.

Yes. The payment will not be accepted at locations that do not offer eligible goods and services, such as hardware stores, restaurants, bookstores, gas stations and home improvement stores. For example, you can use your debit card at Target in the pharmacy, but you cannot use the debit card at the main checkout registers.

You can call customer service at (888)567-8058 or email [email protected].

Your debit card will be ready to use on 7/1/2026.

Go to the Login Page and enter your Username and password
under the “Existing Users” section

Username: Email Address
Temporary Password: First Name initial + Last Name + DOB (ddmmyy). Initial and last name needs to be in all lowercase letters.
Example: John Doe October 24, 1972, would be jdoe241072

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Yes, you can download the Mobile App by searching “PCMI HSA/FSA Savings Account” in the app store. It is available for both Android and Apple phones.

You can also access the app by clicking here for Apple phones and here for Android phones.

For a Mobile App Guide, please refer to the Resources tab.