Health Care Savings Program


Now that you’ve left your employer, you — and your spouse and other dependents — can use your MERS Health Care Savings Program account for tax-free medical expense reimbursements. You must be vested at termination to withdraw your employer’s contributions.

How it works

Once your employer tells us about your separation, we will send you information on how to begin receiving reimbursements from your account.

If you are vested, your account including both your and your employer’s contributions, plus market performance, minus fees is available to reimburse you for eligible medical expenses to you, your spouse or legal dependents. View the complete list of these eligible medical expenses (pdf).

Once you separate from employment, you will see a transfer of $1,000 of your HCSP assets deposited into a money market fund (pdf) through Alerus. This ensures appropriate assets are available for reimbursement at the time you begin using your account for reimbursement of medical expenses. Your total account balance will always reflect the full market value as of the last business day and claims will be processed until your account reaches zero balance.

While money is still in the account, you’ll continue to monitor the investments you’ve select from the streamlined MERS Investment Menu. For more information, please read Understanding the MERS Investment Menu (pdf).

Learn more

Click the links below for more about the MERS Health Care Savings Program.

  • Publications
  • Online
    • You can also log into your account to find up-to-the-minute information about your MERS retirement at any time.
  • Service Center
    • Our Service Center offers friendly, knowledgeable, over-the-phone assistance for a wide variety of benefit questions and issues. Service Center Staff is available during business hours at 800.767.2308.

Expenses & Reimbursements

Alerus Moblie App
Using the App (pdf)
Using the App (video)

Eligible Expenses
Eligible Expenses and Reimbursement Options (pdf)

Claims Management
Claims Management Portal and Step-by-Step Reimbursement Guide (pdf)

MERS Investment Menu

Streamlined MERS HCSP Investment Menu.

Find Forms


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Disclaimer: The information contained in this Web site is being made available as a public service. The information is not intended to constitute legal, tax, accounting or investment advice, or to replace official versions of that information. Benefit Estimates or Service Credit Purchase estimates requested through this Web site are not official descriptions of any benefits, and do not represent a promise by MERS to provide any benefit(s) to any person(s). No one can detrimentally rely upon the information provided in, or requested through this Web site. MERS reserves the right to correct any errors, and presents this information without warranties, express or implied, regarding the information's accuracy, timeliness or completeness. If you believe the information is inaccurate, out-of-date, or incomplete, or if you have problems accessing or reading the information, please call MERS at 800.767.MERS (6377).