About the Reimbursement Plan
The Working Spouse Plan (WSP) is a benefit available to employees who have access to medical and prescription drug coverage through their spouse or another source. This plan can help you avoid unexpected medical costs and is a great option to consider.
WSP covers medical expenses, which means you can receive medical reimbursement for copays, coinsurance, and deductibles that you incur under your alternate health insurance group plan, up to a maximum amount of $5,000 for individuals or $10,000 for families. Additionally, reimburses a portion of the premium paid for your alternate health plan if the cost of the alternate coverage is more than what you would have paid if enrolled in the Real Alloy medical plan.
There is no cost to join the Working Spouse Plan (WSP) for eligible employees and their dependents. However, please note there may be a cost associated with enrolling in an alternate group health insurance plan, such as your spouse’s employer plan.
Here are the eligibility requirements for WSP
1
New hires or newly eligible employees and their dependents
2
Existing employees who are currently enrolled in a Real Alloy medical plan, that have access to enroll in alternate health coverage, may elect during Open Enrollment or SEP.
Frequently Asked Questions
Eligibility
You are eligible for the WSP if you have access to enroll in an alternate group medical plan.
You can enroll in the WSP during your Open Enrollment Period or during a qualifying life event. Contact your Human Resources department for assistance.
Benefits
If you have access to alternate group medical and prescription drug coverage, your WSP offers nearly 100% coverage. 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.
You can use your benefits for your co-pays, co-insurance, and deductibles that you and your family might have to pay under a alternate group health plan.
You can access your benefits by swiping your debit card at the time of service or while picking up a prescription. 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.
Reimbursements
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 WSP 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.
Visit realalloy.pinnacle-health.com and request reimbursement. For a QuickStart guide, please refer to the resources tab.
Request reimbursement by visiting realalloy.pinnaclet-health.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 Real Alloy claim form.
2. Sign the claim form.
3. Send the claim for to RealAlloyWSP@pinnacle-health, fax it to (949) 253-5420 or mail it to the following address:
Pinnacle Health Solutions
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 customerservice@pinnacle-health.com.
Debit Card
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)567-5908 or email customerservice@pinnacle-health.com.
Your debit card will be ready to use on 1/1/2027
WSP Reimbursement Portal
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 letter.
Example: John Doe October 24, 1972, would be jdoe241072
Click Next
Yes, you can download the Mobile App by searching “Pinnacle Benefits Wallet” 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.
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.
Resources
Welcome Flyer
Program Flyer
Portal Quickstart Guide
Reimbursement Form
Mobile Guide
Acceptable Documentation
Reimbursement Portal Quick Guide
Want to know more? Reach out.
If you have any further questions or need more information about WSP, please contact the plan administrator, Pinnacle Health Solutions, at (888)567-5908.
"*" indicates required fields