ADDITIONAL RESOURCES AVAILABLE ABOVE
Flexible Spending Accounts and Health Reimbursement Arrangements

FLEXIBLE SPENDING ACCOUNTS (FSA)
and
HEALTH REIMBURSEMENT ARRANGEMENTS (HRA)

Use Custom Flex to:
Check account balance, deposits, reimbursements and track receipts


Using Your FSA Card

FSA Cards are easier to use than ever!

Over 80% of Healthcare FSA expenses are automatically approved so you won't need to submit claims or documentation for FSA Card use. However, always keep copies of your receipts and other supporting documentation. Below is a table to help guide you when using your FSA Debit Card.

FSA CARD ACTION TYPE OF VENDOR OR TYPE OF SERVICE HELPFUL HINTS
No Substantiation Required

The FSA Card will work without anything further from you! Please keep a copy of documentation just in case.

HealthCare Providers with Copays:
  • Hospitals
  • Pharmacy
  • Physicians Office
  • Vision Care Providers
  • Urgent Care
  • Outpatient Surgery Centers

Prescriptions & other qualified over-the-counter items can be purchased at participating retailers. See list inside for more information.

Coinsurance is where the employee pays a percentage versus a flat copay. These may require you to submit supporting documentation. It's important that you keep all of your supporting documentation.

You will receive a letter if supporting documentation is required by the IRS guidelines.

Recurring Expenses: by indicating expenses are recurring in exact equal amounts for the exact same provider on the FSA Claim Form, you will not need to continue to send in supporting documentation and claim forms. Examples include Dependent Care and monthly visits to certain types of healthcare providers.
May require supporting documentation The FSA Debit Card can only be used at Healthcare providers like Dentists, Doctors or Vision Care Providers.

If you use the FSA Card, you will receive a letter if documentation is required for these common types of expenses:

  • Deductibles or Coinsurance
  • Spouse's insurance out-of-pocket expenses
  • Caregivers for Dependents (Dependent Care)
You will receive a letter if receipts are required.

To avoid having your card suspended, please submit requested documentation no later than 30 days after the reminder letter is sent to your home.

Cannot use the FSA Card Due to Health Reform, over-the-counter medications require a doctor's prescription and cannot be purchased with the FSA card but they are still eligible for reimbursement.

Any non-qualified expense

Any non-participating provider, merchant or retailer not mentioned above

If an item is a qualified expense for this plan year, you can use another form of payment and submit your claim with supporting documentation.

Over-the-Counter medicines must have a doctor's prescription submitted with the claim for reimbursement.