Go Electronic For Claims and Premiums!

Go Electronic! Filing Claims and Making Premium Payments Online

Filing Reimbursement Claims Electronically

• Option 1: Online Portal

  Before you start, make sure to save your receipt or other documentation to your computer.

  Step 1: Get Logged In

  Login to your portal by clicking on the Individual Login button in the upper righthand corner of the benstrat.com Home page. Choose the Reimbursement login option. (See diagram to the right.)

  This takes you to the main login page.

  1. Have you logged in before? Just enter your Username and Password and click the Login button.
  2. Forgot your Username or Password? Use the Forgot Username and/or Forgot Password links.
  3. Never logged in before? Click on the Get Started link. You’ll answer a few questions and then set your own Username and Password.

  Step 2: File A Claim

  Once you’re logged in, you’ll be on your online portal Home page.

  All you need to do to get started is click on the File A Claim button and follow the claim filing wizard! It will walk you through the process, which includes answering questions about the claim, indicating if you want your payment paid to you or someone else (or choose  Direct Deposit!),  and it will guide you through uploading your receipt or other documentation you previously saved on your computer.

  When you’re done with these steps the wizard takes you to the Transaction Summary page. Done entering your claim, but you have more claims to file? Choose Add Another, and the wizard will walk you through the process again.

  All done entering claims?  Agree to the terms and conditions and click Submit. That’s it! Your claims and your receipts are now in our claims processing system. You don’t need to mail us anything and we can begin processing your claims!

  Please Note: If you see a Receipts Needed link in the Tasks section of your Home page, click on it. You will be taken to the Claims page where you can see the claims that require documentation. Save your documentation for the claim to your computer and then click on the Upload Receipts link for the claim. The wizard will walk you through uploading the claim. You don’t need to mail us anything and we can review your receipt to finish processing your claim!

  Get Your Reimbursement Faster: Sign Up For Direct Deposit

• Option 2: Benefit Strategies Reimbursement Mobile App

  If you haven’t downloaded our app yet, go to your device’s app store to download it. (See mobile app icon and QR code below.)

  Step 1: Sign Into The App

  • Signed in before? Enter the Passcode you set up.
  • Forgot your Passcode? Use the Forgot Passcode link.
  • Never used the app before? Click on the New User link. You’ll answer a few questions and then set your Passcode.

  Step 2: File A Claim

  Once you’re logged in, tap on the File A Claim button.

  The claim filing wizard will walk you through the process, which includes answering questions about the claim, indicating if you want your payment paid to you or someone else (or choose Direct Deposit).

  When you get to the point where it asks you to upload your receipt or other documentation, you can choose to have your device’s camera open up to snap a pic of your receipt, retrieve an already taken pic from your device’s photo gallery or retrieve an already taken pic from the app’s Receipt Organizer.

  Now click Submit and you’re all set! You don’t need to mail us anything and we can begin processing your claims!

  Please Note: If you see a Receipts Needed link in the Tasks section of your app’s Home screen, click on it. You will be taken to another screen where you can see the claims that require documentation. Click on the Upload Receipts link for the claim. You’ll have the same choices to upload the receipt as described above. You don’t need to mail us anything and we can review your receipt to finish processing your claim!

Paying Premiums Electronically

• Option 1: Online Portal

  New User Registration

  1. Go to premiumbilling.benstrat.com.
  2. Click the New User Registration.
  3. Enter the Registration Code from the New Member Login or SPM Welcome letter you received in the mail.
  4. Enter your First Name, Last Name and SSN.
  5. Click the Submit Registration button. Review the user license agreement, select the I Accept check box, and then click the Submit button.
  6. Set up your Username and Password.
  7. Click Submit & Create Account button.
  8. You will be returned to the login home page. Enter your Username and Password and then click the Sign In button.

  How do I make a one time payment?

  You can make an online card payment or online ACH payment on the Make Payment button. To make a 1 time payment you will be assessed a $20 Convenience Fee by the payment processor.

  1. The option to make a payment is available from the Make Payment button on both the home page as well as the Payment Summary page under the Payment Info selection.
  2. Select between paying via Card or Bank Account.
  3. You will be prompted to select the amount to pay and notified of the $20 applicable fee.
  4. Finally, complete the payment info fields before reviewing and submitting your payment.

  How do I make a Recurring Payment?

  With this option, you choose the day of the month you want your premium payments to be sent by your bank to Benefit Strategies. It will happen automatically each month on that day, until you decide to change the date or stop the automatic payment.

  This is such a great way to make your payments that we made a guide to explain it all to you!

  1. The Recurring Payments option is available from the home page and under the payment info options.
  2. Select the setting up electronic payments option.
  3. You will see Next Payment Date pre-populated with the next payment due date, you have the option to update the date field to the date you want your monthly payment pulled from your bank account or you can leave it as the first of the month.
  4. Selecting electronic payments will bring you to a screen to fill in your bank account information, there is no fee to set up recurring payments.
  5. After completing the payment info fields click NEXT to submit your recurring payment.
• Option 2: Benefit Strategies Premium Billing Mobile App

  If you haven’t downloaded our app yet, go to your device’s app store and search for "Benefit Strategies Premium Billing" to download it. (See mobile app icon to the right.)

  Creating a New User Account

  1. Clicking the Register Here link on the Home screen of the COBRA & Direct Billing Mobile App begins the registration process.
  2. The New User Registration Form must be completed in its entirety.
  3. Your Registration Code can be found within the SPM Welcome Letter or New Member Login Letter that was sent to you.
  4. Your personal Social Security Number must be provided in order to complete registration.
  5. To complete the new user registration process, the user agreement must be read and the I Agree option must be selected.
  6. Once you have read the agreement and selected the I Agree option, tap Submit & Continue. A confirmation is displayed on the screen indicating that your account was successfully created. Tap OK to close the confirmation.
  7. After you log in to the COBRA & Direct Billing Mobile App for the first time, you are required to create a Security PIN.

  Existing User Login

  Users with existing access to the COBRA & Direct Billing system can use their existing login credentials to access the COBRA & Direct Billing Mobile App

  1. To log in using your existing credentials, tap the Start Log In button.
  2. Enter your existing Username and Password and then tap Log In.
  3. After you log in to the COBRA & Direct Billing Mobile App for the first time, you are required to create a Security PIN.

  How do I make a one time payment?

  You can make an online card payment or online ACH payment on the Make A Payment screen. To make a one time payment you will be assessed a $20 Convenience Fee by the payment processor.

  1. To access this screen, tap the Make A Payment menu option and then tap Continue on the Welcome to Online Payments screen.
  2. Select between paying via Card or Bank Account.
  3. You will be prompted to select the amount to pay and notified of the $20 Convenience Fee.
  • To pay in full, select the Pay full amount for the Next Premium Due option. The amount due is displayed on the screen.
  • To make a partial payment, select the Pay other amount option and then tap within the empty dollar value field. Within this field, specify the amount that will be included in the partial payment.
  4. Finally, complete the payment info fields before reviewing and submitting your payment

  How do I make a Recurring Payment?

  You can manage your recurring payments, including adding a new recurring payment and stopping an existing recurring payment, on the Recurring Payments screen. There is no Convenience Fee assessed to set up recurring payments.

  1. To access this screen, tap the Recurring Payments menu option.
  2. To set up a recurring payment, tap the Bank Account + section of the Recurring Payments screen.
  3. You will be prompted to fill in your bank account information, there is no fee to set up recurring payments.
  4. You will see Next Payment Date pre-populated with the next payment due date, you have the option to update the date field to the date you want your monthly payment pulled from your bank account or you can leave it as the first of the month.
  5. After entering bank account information, tap Next.
  6. To save your bank account information, select the I Agree option and then tap Update Bank Info.