HSA and FSA reimbursement

What HSA and FSA reimbursement is

A health savings account and a flexible spending account both let you spend pre-tax money on care. You pay Collective as usual, then ask your plan to pay you back.

Your plan decides what it reimburses. Collective does not bill your plan and cannot approve a claim.

What a plan administrator asks for

Most plans ask for an itemized receipt. It names the patient, the date of service, what was dispensed, the diagnosis it treats, and the amount paid.

Some plans also ask for a letter of medical necessity, signed by the clinician who prescribed the medication.

Where to get each document

Your charges are listed in your account, under Transactions. Open the charge you are claiming for to see what it holds.

If the document you need is not there, message your care team and we will send it to you.

A letter exists once the clinician has issued one. Not every medication needs one, and your care team can tell you whether yours does.

How to submit

Send the document to your plan the way it asks: an upload in its portal, an email, or a paper form.

Keep a copy. A plan can ask for the same document again months later.

When a plan refuses

Ask the plan which document or field it wants. A refusal usually names one.

Message your care team and we will help you get it, including asking the clinician for a letter.