 | FSA / HRA Participant - Frequently Asked QuestionsQ: What FSA / HRA Expenses can be reimbursed?
A: You can use your FSA or HRA to reimburse yourself for health care expenses that qualify as federal income tax deductions under Section 213(d) of the tax code. NOTE: Starting January 1, 2011 you will no longer be able to use these spending accounts to pay for most over- the-counter drugs and medicines unless you have a doctor's prescription. You will not need a prescription for insulin and diabetic supplies. Q: Do you have a list of eligible expenses? A: Please click here for a great list of eligible expenses. If you are unsure of a certain expense, please give us a call at (503) 946-3298 ext 1006 or email claims@polestarbenefits.com. Q: Whose expenses can be reimbursed? A: HRA - Money in the HRA can only be used to pay for eligible medical expenses incurred by employees and their dependents enrolled in the HRA. An employer may limit what expenses and dependents are eligible under an HRA plan. FSA - Money in the FSA can be used to reimburse yourself for health care expenses incurred by you, your spouse or eligible dependents (children, siblings, parents and other dependents as defined in your plan documents). Q: Why was my Benefits Card denied? A: Your card can be denied for a variety of reasons, the most common are listed below: 1) The group has negative funding in the "bucket" account and we are waiting to receive funding to reactivate the account. 2) You swiped your card for an "ineligible" claim, which turned your card off until you submit accurate supporting documentation (you have 45 days from time of transaction to submit documentation). 3) You swiped your card for more than the available balance in your account. Q: What supporting documentation do you need for my Benefits Card transaction and/or FSA manual claim submission? A: All supporting documentation must include: date of service/purchase, patient's name, type of service/product, amount of service (amount not covered or reimbursed elsewhere). NOTE: Credit cards slips and cancelled checks are not acceptable as supporting documentation. Q: I locked myself out of the Participant / Employer Portal, how do I reactivate my account? A: Call us at (503) 946-3298 x 1006 or email claims@polestarbenefits.com and we will be happy to help! Q: I submitted my claim more than two days ago, why haven't I received my check? A: There may be a variety of answers to this question as well, the most common are listed below. Please feel free to give us a call if you find it taking longer than expected. 1) We may be waiting on funding from your employer to release the check. 2) The fax or email may not have come through, did you send it to claims@polestarbenefits.com or (888) 539-9565, please call us to make sure it was received and being processed. 3) Was it denied? We would have emailed, sent a letter in the mail or called you to discuss. Q: I need to add a Benefits Card for my spouse / dependent, how do I go about doing that? A: Call us at (503) 946-3298 x 1006 or email claims@polestarbenefits.com with your name and your dependent's name, and we will process the card request. Q: My name is misspelled on my Benefits Card, how do I get a new one? A: Call us at (503) 946-3298 x 1006 or email claims@polestarbenefits.com with the correct spelling of your name and we will issue you a new card. Q: How long does it take to receive a Benefits Card? A: It usually takes between 7-10 business days and will arrive to your home address in a plain white envelope. Q: How do I use my Benefits Card to purchase Over-The-Counter items with the new Health Reform law? A: Get a prescription from your doctor and take it to the main pharmacy that you use, they will enter it into the computer and assign your item an Rx number, once the Rx number is applied, the Benefits Card will work. If you would prefer to pay out of pocket and submit a manual claim reimbursement, please send us the Doctors Note / Prescription along with your claim. For more information, please visit our OTC page. If you have any other questions that you do not see listed, please feel free to email us at info@polestarbenefits.com or call us at (503) 946-3298 x 1006. |
