Overview
Have access to more than one benefit plan? You’ve got options!
Health Spending Accounts (HSA) don’t follow traditional coordination of benefits rules. This means that you’re not locked into submitting claims in a specific order. You can use your HSA alongside another plan in whatever way works best for you.
The details
Using another plan first
If you have access to another plan, like an insured plan through you or your partner, you can submit your claim there first. Once that plan processes your claim, you can submit any remaining amount to your HSA.
This means you’ll get the most out of both plans and, in some cases, be reimbursed for the full cost of the expense.
Submitting a partial claim
When you’re submitting a claim to your HSA for a remaining amount from another plan, it helps to attach your Explanation of Benefits (EOB). An EOB will break out what you were reimbursed for and how much the reimbursement was for. This information helps our Claims team process and adjudicate your claim quickly and accurately.
Skipping the other plan
You don’t have to submit to your other plan first. If you already know that an expense isn’t eligible on your other Plan, or you’ve reached a maximum reimbursement for that category, you can submit directly to your HSA without going through the other Plan.
When an expense is already fully covered
If your other plan covers 100% of the expense, there’s nothing left to submit to your HSA. You can only be reimbursed up to the full amount of your expense, so you can’t get back more than the amount you incurred.
Anything else?
One of the biggest perks of an HSA is flexibility. You’re not locked into strict coordination rules, so you can choose how to use your plans in a way that makes the most sense for you.
Need a reminder on how to submit a claim? Head over to How do I submit a claim for all the details.