Postal Service employees with flexible spending account debit cards might be asked to provide documentation after using the card for out-of-pocket expenses.
Inspira Financial, the Postal Service’s flexible spending account administrator, must ensure that such purchases are eligible under Internal Revenue Service rules. If a request from Inspira is not met, the company might deactivate the debit card.
Inspira will ask for documentation if an amount doesn’t match the established co-pay under an employee’s health care plan, for example, or if a claim cannot be resolved using internal systems or technologies.
Employees who have flexible spending account debit cards are encouraged to save explanation of benefit forms from their health insurer as a backup. Also known as an EOB, these forms show the “final” amount owed, as opposed to the “estimated” or “pending” amount, and can be used as documentation.
Detailed receipts that include the patient’s and provider’s name, date and type of service and the final amount owed may also be used.
If no insurance was used for an expense, submit the itemized receipt with your signature and the words “not submitted to insurance” written on it. Make sure the receipt does not mention insurance or Inspira will request something to show insurance processed against it.
More information can be found on the FSA page on the MyHR website.
