FREQUENTLY ASKED QUESTIONS for FSA/DCAP


Can an individual participate in both an HSA and an FSA or HRA?
Yes. An individual can participate in both an FSA and HRA with no limitations on what can be covered depending upon the FSA or HRA Plan design. An individual can participate in an HSA, along with either an FSA or HRA, if the FSA or HRA is a Limited or Post-Deductible Plan. This information must be specified in the Plan Document.

Can I change my Flexible Spending Account (FSA) election after the plan year starts?
FSA election changes may only be made if there is a qualifying event and your Plan allows for these changes. Please refer to your Summary Plan Description to determine if these changes are allowed.

Can I order more debit cards?
Yes, you can order additional debit cards for your spouse and/or eligible dependents who are at least 18 years old. You may be required to complete a Dependent Card Request Form if we do not have your dependent already in the system. Additional fees may apply.

How can I be reimbursed for out-of-pocket expenses?
You may submit manual claims through the online portal or the mobile app. You will need an itemized receipt or an Explanation of Benefits to support your request for reimbursement. By using the online portal and mobile app, you can simply upload a PDF of your receipt or take a picture!

May I use the Medical FSA to reimburse my spouse’s deductible and/or co-payment expenses,
even if he/she is enrolled in a different health plan?
Yes. Spouse and dependent out of pocket expenses are eligible even if they are not covered under your medical plan.

What type of documentation is required to substantiate a claim?
The documentation must include a description of the services rendered, date of service, patient name, total charges, and patient responsibility. An Explanation of Benefits (EOB) provided by the insurance carrier will include this information.

When and why do I need to substantiate Debit Card transactions?
The Internal Revenue Service (IRS) requires that all transactions be substantiated. There are some transactions we can approve without having to request a receipt. Those transactions include amounts that are copayments, multiples up to 5 times a copayment, and recurring expenses that are the same amount at the same provider each visit. All other transactions will require a receipt. These requests are time sensitive.

Where can I find out what is a reimbursable expense?

Where can I use my benefits debit card?
For the medical FSA, the debit card is programmed to work at medical, dental, vision, and pharmacy merchants.

Where do I send my substantiation or claim?
The most efficient means of submitting documents is through the online portal or mobile app. You will need an itemized receipt or an Explanation of Benefits to support your request for reimbursement. By using the online portal and mobile app, you can simply upload a PDF of your receipt or take a picture!