Frequently Asked Questions: Flexible Savings Account (FSA)

How do I check my FSA balance?

Members can view their FSA balance online. Click on the Members page; you will need to register to access the secure site. Balance information can also be found on the Explanation of Benefit (EOB) and reflects the balance as of the processing date.

How do I submit a claim for FSA reimbursement?

Complete the FSA claim form located in the in the Forms Library or request a claim form from your Human Resources office. For a health FSA, attach the Explanation of Benefit (EOB) if primary insurance paid/denied. Also include a copy of the bill.

Do you have a list of health FSA eligible expenses?

Yes, a list of health FSA eligible expenses was developed based on Internal Revenue Service guidance. This list is available in the Forms Library.

Note: some health FSAs limit or exclude reimbursement of certain expenses. Check with your Human Resources office or Plan Administrator for further information. Your plan will follow its terms and conditions, as well as Internal Revenue Service guidelines in effect at the time the expense was incurred to determine whether an expense is eligible for reimbursement.

When I check the secure Member website my FSA claim is pending, why?

A pending status indicates the claim is processed and waiting for check processing. Note that some FSA plans have a $25.00 check minimum. In that case, a claim below the minimum will not be paid until additional claims are processed. In the event additional claims are not received for processing, these payments will issue at the end of the next calendar quarter.

Why do I have to substantiate my expenses, isn't this my money?

FSA benefits are paid with pre-tax employee contributions and/or employer contributions. FSA plans are governed by Internal Revenue Code and are referred to as "Cafeteria Plans" or "Section 125 plans". Because there is a tax benefit to making contributions, the Internal Revenue Service has established what type of benefit reimbursements are eligible. To verify a service meets the regulatory requirements, you must provide invoices and benefit EOBs (if applicable) to substantiate that the expense is eligible for reimbursement.

What is a debit card?

A debit card allows health FSA participants to pay for eligible expenses at the point of service. This saves time as individuals do not have to wait for a reimbursement check.

How do I use my debit card?

The debit card can be used at specified merchant locations (for example, doctor or dentist offices, pharmacies or hospitals). If you have a medical or dental plan, your services MUST be submitted to that plan first before funds can be used from the health FSA. If you have an HRA (Health Reimbursement Arrangement) plan that covers the same expense as your health FSA, you must submit charges to the HRA plan first before you can pay for services from your health FSA account (unless your HRA plan specifically states otherwise). If you have an HSA (Health Savings Account), you cannot submit medical care expenses to a health FSA unless it is a limited purpose or post-deductible health FSA.

Certain merchant categories will permit auto substantiation, for example, a pharmacy will auto substantiate co-pays for prescription drugs based upon co-pay information provided by your employer at the beginning of each plan year.

For claims that do not auto substantiate, you are required to provide receipt. The use of debit cards does not remove this requirement.

How should I submit an FSA claim?

FSA claims can be mailed to:

Significa Benefit Services, Inc.
PO Box 7777
Lancaster, PA 17604-7777

Or Fax to:

717-581-8379

We do not recommend emailing health FSA claims as protected health information (PHI) should be encrypted before emailing.