FSA funds in a plan year can only be used for expenses incurred during the plan year. For example, your 2018 FSA funds cannot cover an expense from 2017. However, there is a 90-day runout period at the end of the plan in which you can submit claims for reimbursement for expenses during that plan year.
If you paid out-of-pocket for an eligible Health Care FSA or Child & Elderly Care FSA expense, you can submit a claim to get reimbursed.
The Inventory Information Approval System (IIAS) standard is an IRS-approved inventory management standard that allows merchants such as grocery and drug stores to automatically identify whether a particular product in their inventory is an FSA- or HRA-eligible expense. When an employee uses a payment card (such as the Zenefits Card) card at one of these merchants, the IIAS allows the card's processing system to determine which item is eligible, and automatically approves ("autosubstantiates") or declines the purchase of that item with FSA or HRA funds.
Purchases made with an FSA or HRA card that are not already identified by an IIAS, or at a merchant that has not implemented an IIAS, may require manual substantiation by the cardholder.
When you use your Zenefits Card to pay with Health Care FSA funds for something other than an office copay, you may receive an automated email requesting a receipt to prove it's an eligible expense. You'll need to follow the instructions in the email and submit the receipt through your dashboard.
Health Care FSA funds can be used to pay for copays, deductibles, dental and vision expenses, health care services, prescription drugs, and some over-the-counter health care items for the enrollee and their dependents. Funds used for ineligible expenses may have to be repaid to the account. For Child & Elderly Care FSAs, see these examples of eligible expenses.
| Acupuncture | Humidifier (with a doctor's note) |
| Adaptive equipment (e.g. raised toilet seat) | Hypnosis (with a doctor's note) |
| Ambulance fees | Individual Counseling |
| Artificial limb or prosthesis | Insulin |
| Artificial teeth | Lab work |
| Bandage tape | Lactation consultants |
| Bandages | Lamaze |
| Birth control pills | Laser eye surgery |
| Blood pressure monitor | Massage (with a doctor's note) |
| Braces (knee, ankle, wrist) | Medical abortion |
| Breast pumps & supplies | Medical alert bracelet & current year membership fees |
| Car adaptations (for persons with disabilities) | Mileage (to receive medical care)* |
| Chiropractic services | Non-cosmetic surgery |
| Co-insurance | Naturopathic Visits |
| Contact lens solution | Occupational Therapy |
| Contacts | Orthotics |
| Contraceptives | Physical exams |
| Copays | Physical therapy |
| CPAP machine | Pregnancy test |
| Crutches | Prenatal vitamins (with a doctor's note) |
| Deductibles | Prescription drugs |
| Dental services (excludes veneers and other cosmetic procedures) | Prescription glasses |
| Diabetes testing supplies | Psychologist |
| Diabetic supplies | Reading glasses |
| Doctor visits | Saline Nasal Spray |
| Drug addiction treatment | Service animals |
| Eye drops | Speech Therapy |
| Eye exams | Sunscreen SPF 30 or greater (proof of SPF required) |
| Fertility treatment | Telephone equipment for hearing & visually impaired |
| First aid kits | Thermometer |
| Flu shots | Vaccinations |
| Hearing aids | Walker |
| Home medical equipment | Wheelchair & repair |
| Hormone therapy | X-rays |
| Hospital services (including meals and lodging) |
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