What happens if I submit a claim for an amount greater than what I have in my FSA at the time?

If you file a claim for an amount greater than what is in your account, you will still be reimbursed (up to the total amount elected for the plan year). Deductions from your paycheck will continue to be deposited into your FSA to make up the difference. You are allowed to submit claims for reimbursement up to the total amount you set aside for the Plan Year. 

Can I be reimbursed for my spouse’s deductible, copays or other out-of-pocket medical expenses?

Yes, your Health Care FSA dollars can be used to reimburse qualifying out-of-pocket medical expenses (not covered by insurance or any other plan) incurred by: yourself, your spouse, your dependent children (under age 27 as of the end of the employee's taxable year), and your qualified relatives (as defined in your group’s Plan Document).

Can I request FSA reimbursement for eligible services I received before the Plan Year began if I am not billed until after the start of the Plan Year?

No. According to IRS guidelines, an expense is incurred on the date the service is provided, not when you are billed or when you pay for the service.

Do I need to wait for the money to be deposited into my account before I can make a claim for reimbursement?

Not with a Health Care FSA. The entire amount you set aside is available to you on the first day of the Plan Year.

What if I don’t use all of the money in my account before the end of the Plan Year?

Your employer may choose to allow a “grace period” or "roll-over amount” for any used funds. It’s best to check your Final Filing Date (last date you can file claims for the Plan Year) on the Surency mobile app or by logging into your Member Account. Remember, some Health Care FSAs are designated as “use-it-or-lose-it,” meaning you would not be allowed to rollover money left in your account. By checking your Final Filing Date prior to the end of your Plan Year, you can plan accordingly to use the funds if needed so you don’t lose any dollars.

What if I have incurred expenses at the end of the Plan Year, but I don’t submit a claim by the end of the Plan Year?

Your employer may specify an additional amount of time, called a "run-out period," after the last day of the Plan Year to submit claims for services you received during the Plan Year. Check the Surency mobile app or log in to your Member Account to view specific details on your plan.  

How do I get repaid for my expenses?

Surency offers three ways to get repaid:

1. The easiest option is to use the Surency mobile app. Choose “File a Claim,” enter the requested information and snap a photo from your phone of your receipt. The claim request and receipt will be automatically sent to Surency for processing.  
2. Log in to your Member Account. Choose “File a New Claim,” upload your receipt and enter the requested information. The claim request and receipt will be sent to Surency for processing.
3. Print an FSA Claim Form and mail it to Surency for processing.

Remember, if you pay for qualified medical expenses with your Surency Benefits Card, you will not need to file a claim.  

What can I pay for with my Health Care FSA dollars?

You can use money set aside in your FSA on eligible medical expenses, generally those medical expenses not covered by insurance. Eligible medical expenses include diagnosis, treatment and prevention of disease or treatment for any part or function of the body. Cosmetic medical expenses (such as a facelift) and expenses that benefit your general health (such as health club fees) are not eligible. Click here to view a list of eligible medical expenses.

If I use my Benefits Card to pay for qualified medical expenses, do I still need to keep my receipts and other documentation?

Yes, all eligible expenses are required to be validated. Most expenses paid for with your Benefits Card can be automatically validated without you needing to submit anything. But you should always keep your receipts and other documentation for tax purposes or in case we need to further verify your expenses.