To be reimbursed from your account, you will make your claim and send the claim form with documentation of your expenses. Documentation can be copies of Explanation of Benefits (EOB) forms or detailed bills from your care provider that include the name of the provider, the dates of the services, the nature of the services and the name of the person who received the services. Check copies, "payments on account", and "prior balance" bills are not sufficient. You can only be reimbursed for expenses you owe and will not be paid by your insurance or any other benefit plan. Keep copies of your claims for your personal records.

Expenses must be incurred in the Plan Year during your "period of coverage" (while you are an eligible, active participant) in the benefits you have elected. An expense is "incurred" when you receive the service, not when you pay the bill.

If you terminate employment or participation in your benefit accounts during the year, please submit your claims immediately after the termination date.  As a general rule, your eligibility for expenses will end with your termination and most plans require that claims be submitted within 60-90 days of the termination, possibly less.  For specific information about your benefit plan, including the claims filing deadlines and other important information such as the eligibility requirements, the plan entry date, the available benefits, please refer to the Summary Plan Description which is available from your employer.

You can also post your claims online on our secure claims portal.  It’s easy to use and very fast.  Just scan your completed claim form and supporting documentation in a single file in the Adobe Acrobat format, click the Secure Claims Portal link and then post your claim online.  Please be sure to enter your name and the name of your employer in the “Add A Message” box.

Claims sent to the Portal should be in Adobe Acrobat format with both the claim form and supporting documents in a single file. PLEASE identify yourself in the “Add A Message” box.  Unidentified files and files sent in any format other than Adobe Acrobat may not be considered a claim submission.  Files sent to the Portal in executable formats will be deleted without opening, including but not limited to file formats such as: .exe, .zip, .eml, .com, .html and .vbs.

While more than 80% of all debit card transactions are approved automatically, some transactions will need to be reviewed. If you are asked to document a transaction, you can post the supporting documentation online if it is in Adobe Acrobat format. You must include the claims reference number, the date and amount of the transaction, your name and your employer’s name in the “Add A Message” box.